Westchester County and White Plains City property record for 3 Commerce St, White Plains, NY 10605
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,957 sqft · built 1987 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $765,000 (May 2024) |
| Tax Bill | $1,813 (2026) |
| Deeds & Mortgages | May 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 551700 138.05-5-6 |
| Primary APN | 551700 138.05-5-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,957 sqft Living Area |
| 1st Floor Area | 939 sqft |
| 2nd Floor Area | 1,018 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Colonial |
| Exterior Material | Shingles |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 130 ft deep x 55 ft wide |
| Garage Type | Attached |
| Garage Area | 250 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 60611303901 |
|---|---|
| Street Address | 3 COMMERCE ST |
| City | WHITE PLAINS |
| State | NY |
| Zip | 10605-3404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1-5 |
| Legal Subdivision | SUBDIVISION MAP OF WHITE PLAINS |
| Legal Block | 5 |
| Legal Lot Number | 6.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | WHITE PLAINS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 9701 |
3 Commerce St is owned and occupied by an individual who bought it in May 2024.
Source: Westchester County and White Plains City records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 COMMERCE ST, WHITE PLAINS, NY 10605-3404 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 7, 2024 · Amount on File |
| Deed Sale | May 7, 2024 · Amount on File |
| Prior Sale | Mar 16, 2005 · Amount on File |
| Deed Document Number | 20243232 |
| Prior Transfer Date | Nov 19, 2004 |
| Prior Transfer Doc | 0443410553 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | May 7, 2024 |
| Property Address | 3 COMMERCE ST, WHITE PLAINS, NY 10605-3404 |
| Document Number | 0641143232 |
| Map Reference | MAP 3624 |
| Instrument Date | Apr 25, 2024 |
| Instrument | 641143232 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2024 |
| Title Company | ISLAND ESTS ABSTRACT, ISLAND ESTATES ABSTRACT LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,060.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 30 S BROADWAY5TH, YONKERS, NY 10701 |
| Name | Verified Name |
|---|---|
| Address | 51 DAVIS AVE APT 2B, 2B, WHITE PLAINS, NY 10605-1024 |
| Document Number | 0641233320 |
|---|---|
| Date | May 7, 2024 |
| Instrument | 641233320 |
| Name | ICE LENDER HOLDINGS LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 3 Commerce St was $1,813, down 87.9% from the year before.
Source: Westchester County and White Plains City assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| Municipality | White Plains City |
| Unified School District | White Plains City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,813.00 (-87.87%) | ||
| 2025 | $14,942.00 | $11,850 (-31.7%) Land $3,000 Building $8,850 | $543,578 (-25.75%) Land $137,615 Building $405,963 |
| 2024 | $17,350 (-) Land $3,000 Building $14,350 | $732,067 (+0.84%) Land $126,582 Building $605,485 | |
| 2023 | $17,350 Land $3,000 Building $14,350 | $725,941 Land $125,523 Building $600,418 |
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.
FEMA maps place 3 Commerce St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1980.
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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (1980–2021) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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 risk around 3 Commerce St 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WHITE PLAINS CITY serves 59,559 people · EPA ID NY5903464 |
|---|---|
| Water Source | Purchased surface water from WESTCHESTER COUNTY WD #1 |
| Last State Inspection | Mar 2026 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 311 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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