3 Garden Dr, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 3 Garden Dr, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,624 sqft · built 1919
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Apr 2022)
Tax Bill	$13,374 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`551400 153-7-2-61`

Property Details

APN / Parcel Number

Primary APN	`551400 153-7-2-61`
Alternative APN	`140015300700020610000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,624 sqft Living Area
1st Floor Area	1,204 sqft
2nd Floor Area	420 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Architectural Style	Cape Cod
Lot Area	3,049 sqft (0.07 acres)

Location & Zoning

Street Address	3 GARDEN DR
City	RYE
State	NY
Zip	10580-3313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Subdivision	OAKLAND GARDENS
Legal Block	2
Legal Lot Number	61.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	3
Census Block	3011
Census Tract	7600

Owner

Source: Westchester County and Rye City records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3 GARDEN DR, RYE, NY 10580-3313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 8, 2022	Deed, Transfer · Conventional Mortgage M & T BANK
Feb 6, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2022 · Amount on Record
Deed Sale	Apr 8, 2022 · Amount on Record
Prior Sale	Feb 6, 2019 · Amount on Record
Deed Document Number	2022620803116
Prior Transfer Date	Sep 27, 2007
Prior Transfer Doc	0472980247
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	3 GARDEN DR, RYE, NY 10580-3313
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 GARDEN DR RYE, RYE, NY 10580-3313

Mortgage

Document Number	0622913037
Date	Oct 18, 2022
Instrument	622913037

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 10, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Apr 8, 2022
Property Address	3 GARDEN DR, RYE, NY 10580-3313
Document Number	0620803116
Map Reference	MAP 29210
Instrument Date	Mar 25, 2022
Instrument	620803116
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	JUDICIAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 MEMORIAL AVE, 3, PAWLING, NY 12564-1153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16B REED LN, RIVERSIDE, CT 06878-1535

Mortgage

Document Number	0620893482
Date	Apr 8, 2022
Instrument	620893482

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Feb 6, 2019
Property Address	3 GARDEN DR, RYE, NY 10580-3313
Document Number	0590223353
Book / Page	059022 / 003353
Instrument Date	Jan 25, 2019
Transaction Type	Transfer
Record Updated	Feb 18, 2019
Title Company	CATIC TITLE INSURANCE COMPANY, CATIC TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 BROOKDALE PL RYE NY 105802702, RYE, NY 10580-2702

Mortgage

Document Number	590313261
Date	Feb 6, 2019
Book Page	059031/003261

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2049

Tax Assessment & Valuation

Source: Westchester County and Rye City assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
Municipality	Rye City
Unified School District	Rye City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,374.00 (+34.44%)
2025	$9,948.00	$10,550 (-) Land $3,100 Building $7,450	$894,068 (+6.78%) Land $262,712 Building $631,356
2024		$10,550 (-) Land $3,100 Building $7,450	$837,302 (+2.38%) Land $246,032 Building $591,270
2023		$10,550 Land $3,100 Building $7,450	$817,829 Land $240,310 Building $577,519

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

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	71 (1978–2024)
Claims Outside the SFHA	16 of 71
Most Recent Claim	Apr 2024 · river or lake flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 7 claims Hurricane Sandy, Oct 2012 · 14 claims Hurricane Irene, Aug 2011 · 7 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% 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.

Drinking Water

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

Water System	VEOLIA WATER NEW YORK, INC. RD-2 private · serves 57,301 people · EPA ID NY5903456
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 222 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Garden Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures