3 Gypsy Ln, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 3 Gypsy Ln, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,659 sqft · built 1980
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$2,925,000 (Jul 2016)
Tax Bill	$59,582 (2026)
Deeds & Mortgages	Mar 2024 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`551400 146-5-1-7`

Property Details

APN / Parcel Number

Primary APN	`551400 146-5-1-7`
Alternative APN	`140014600500010070000000`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,659 sqft Living Area
1st Floor Area	2,331 sqft
2nd Floor Area	2,328 sqft
Upper Floors Area	616 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3 GYPSY LN
City	RYE
State	NY
Zip	10580-1546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	1
Legal Lot Number	7.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	3
Census Block	3006
Census Tract	7700

Owner

3 Gypsy Ln is owned and occupied by two individuals who bought it in July 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 GYPSY LN, RYE, NY 10580-1546
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	Jul 7, 2016 · Amount on File
Deed Sale	Jul 7, 2016 · Amount on File
Prior Sale	Aug 9, 2001 · Amount on File
Deed Document Number	2016561743864
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	3 GYPSY LN, RYE, NY 10580-1546
Transaction Type	Mortgage
Record Updated	Mar 18, 2024
Title Company	REGISTER ABSTRACT COMPANY INC., REGISTER ABSTRACT PRIME

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 GYPSY LN, RYE, NY 10580-1546

Mortgage

Document Number	0640663522
Date	Mar 7, 2024
Instrument	640663522

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2034
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Max Rate	10.8%

Tax Assessment & Valuation

The 2026 property tax bill for 3 Gypsy Ln was $59,582, up 8.9% from the year before.

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	$59,582.00 (+8.95%)
2025	$54,689.00	$47,000 (-) Land $7,100 Building $39,900	$3,983,051 (+6.78%) Land $601,695 Building $3,381,356
2024		$47,000 (-) Land $7,100 Building $39,900	$3,730,159 (+2.38%) Land $563,492 Building $3,166,667
2023		$47,000 Land $7,100 Building $39,900	$3,643,411 Land $550,388 Building $3,093,023

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 Gypsy Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	24 (1978–2023)
Claims Outside the SFHA	18 of 24
Most Recent Claim	Sep 2023 · Severe Storm And Flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 3 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 Gypsy Ln 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 94% of the US · lower than 93% 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20