3 Cayuga Trl, Harrison, NY 10528 Property Records

Westchester County and Harrison Town property record for 3 Cayuga Trl, Harrison, NY 10528

Property Summary

Property Type	Single Family Home
Details	4 ba · 5,667 sqft · built 1956
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$2,595,000 (Nov 2020)
Tax Bill	$42,437 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`552801 0472.-51`

Property Details

APN / Parcel Number

Primary APN	`552801 0472.-51`
Alternative APNs	`5528000004720000051` `000028950`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	5,667 sqft Living Area
1st Floor Area	3,878 sqft
2nd Floor Area	1,789 sqft
Upper Floors Area	463 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Colonial
Exterior Material	Stone
Lot Area	47,916 sqft (1.1 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	000028950
Street Address	3 CAYUGA TRL
City	HARRISON
State	NY
Zip	10528-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SECTION ONE SPENCER GLEN
Legal Lot Number	51
Jurisdiction	WESTCHESTER NY
Township / Civil Division	HARRISON
Census Block Group	1
Census Block	1033
Census Tract	8500

Owner

3 Cayuga Trl is owned and occupied by two individuals who bought it in November 2020.

Source: Westchester County and Harrison Town records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 CAYUGA TRL, HARRISON, NY 10528-1819
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2020 · Amount on File
Deed Sale	Nov 19, 2020 · Amount on File
Prior Sale	Dec 15, 2009 · Amount on File
Deed Document Number	2020603103420
Prior Transfer Date	May 14, 2004
Prior Transfer Doc	0452030200
Record Updated	Oct 29, 2026

November 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Nov 19, 2020
Property Address	3 CAYUGA TRL, HARRISON, NY 10528-1819
Document Number	0603103420
Map Reference	MPA 9341
Instrument Date	Nov 10, 2020
Instrument	603103420
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	CATIC TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 CAYUGA TRL, 3, HARRISON, NY 10528-1819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 E 63RD ST, NEW YORK, NY 10065-7660

Mortgage

Document Number	0603213709
Date	Nov 19, 2020
Instrument	603213709

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7%
Index	1-Year LIBOR
Max Rate	7%

Tax Assessment & Valuation

The 2026 property tax bill for 3 Cayuga Trl was $42,437, down 31.3% from the year before.

Source: Westchester County and Harrison Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	Harrison Town
Municipality	Harrison Village
Unified School District	Harrison Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$42,437.00 (-31.27%)
2025	$61,748.00	$25,250 (-) Land $3,300 Building $21,950	$2,176,724 (-2.59%) Land $284,483 Building $1,892,241
2024		$25,250 (+1%) Land $3,300 Building $21,950	$2,234,513 (+4.58%) Land $292,035 Building $1,942,478
2023		$25,000 Land $3,300 Building $21,700	$2,136,752 Land $282,051 Building $1,854,701

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3 Cayuga Trl in Zone X, an area of minimal flood risk, though there have been 195 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 71 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	195 (1978–2024)
Claims Outside the SFHA	67 of 195
Most Recent Claim	Mar 2024 · river or lake flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 27 claims Hurricane Irene, Aug 2011 · 20 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 16 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3 Cayuga Trl is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WESTCHESTER JOINT WATER WORKS serves 59,629 people · EPA ID NY5903435
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	3 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter currently in violation since Jun 1993 Haloacetic acids resolved · Jul 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	980 / 880