Westchester County and White Plains City property record for 3 Prospect St, White Plains, NY 10605
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,598 sqft · built 1924 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $950,000 (Dec 2024) |
| Tax Bill | $2,364 (2026) |
| Deeds & Mortgages | Oct 2023 Line of Credit Sep 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 551700 130.35-8-7 |
| Primary APN | 551700 130.35-8-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,598 sqft Living Area |
| 1st Floor Area | 960 sqft |
| 2nd Floor Area | 936 sqft |
| Upper Floors Area | 702 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 152 ft deep x 75 ft wide |
| Pool Type | Above-Ground Pool |
| Porch | Slab |
| Porch Area | 430 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 30390001100 |
|---|---|
| Street Address | 3 PROSPECT ST |
| City | WHITE PLAINS |
| State | NY |
| Zip | 10605-1114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2-4 |
| Legal Subdivision | H H FARLEY |
| Legal Block | 8 |
| Legal Lot Number | 7.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | WHITE PLAINS |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 9500 |
Source: Westchester County and White Plains 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2160 MATTHEWS AVE, BRONX, NY 10462-2078 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 13, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Sep 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Sep 2, 2021 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Jul 14, 2017 | Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU |
| Mar 23, 2020 | Loan Modification, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 1, 2017 | Loan Modification, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2024 · Amount on Record |
| Deed Sale | Dec 18, 2024 · Amount on Record |
| Prior Sale | May 27, 2004 · Amount on Record |
| Deed Document Number | 20243341 |
| Prior Transfer Date | Jan 24, 2002 |
| Prior Transfer Doc | 0421080178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 3 PROSPECT ST, WHITE PLAINS, NY 10605-1114 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2023 |
| Title Company | SERVICELINK TITLE COMPANY D, SERVICELINK TITLE PROVIDER |
| Name | Verified Name |
|---|---|
| Address | 3 PROSPECT ST, WHITE PLAINS, NY 10605-1114 |
| Document Number | 0632853615 |
|---|---|
| Date | Oct 13, 2023 |
| Instrument | 632853615 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 3, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 3 PROSPECT ST, WHITE PLAINS, NY 10605-1114 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2021 |
| Title Company | WORLD CLASS ABSTRACT LLC |
| Name | Verified Name |
|---|---|
| Address | 3 PROSPECT ST, WHITE PLAINS, NY 10605-1114 |
| Document Number | 0612513964 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 612513964 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 3 PROSPECT ST, WHITE PLAINS, NY 10605-1114 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Title Company | WORLD CLASS ABSTRACT LLC |
| Name | Verified Name |
|---|
| Document Number | 0612453151 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 612453151 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 3 PROSPECT ST, WHITE PLAINS, NY 10605-1114 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0571813507 |
|---|---|
| Date | Jul 14, 2017 |
| Instrument | 571813507 |
| Name | USALLIANCE FCU |
|---|---|
| Type | Credit Union |
| Address | WOBURN, MA 01801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 3 PROSPECT ST, WHITE PLAINS, NY 10605-1114 |
| Document Number | 0601223367 |
| Instrument Date | Mar 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2020 |
| Title Company | WORLD CLASS ABSTRACT LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3 PROSPECT ST WHITE PLAINS NY 106051114, WHITE PLAINS, NY 10605-1114 |
| Document Number | 0601223367 |
|---|---|
| Date | May 1, 2020 |
| Book Page | 060122/003367 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 30, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 3 PROSPECT ST, WHITE PLAINS, NY 10605-1114 |
| Document Number | 0601053137 |
| Instrument Date | Mar 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2020 |
| Title Company | WORLD CLASS ABSTRACT LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3 PROSPECT ST WHITE PLAINS NY 106051114, WHITE PLAINS, NY 10605-1114 |
| Document Number | 0601053137 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 060105/003137 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 3 PROSPECT ST, WHITE PLAINS, NY 10605-1114 |
| Document Number | 0571813498 |
| Instrument Date | Jun 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2018 |
| Title Company | WORLD CLASS ABSTRACT LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3 PROSPECT ST WHITE PLAINS NY 106051114, WHITE PLAINS, NY 10605-1114 |
| Document Number | 0571813498 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 057181/003498 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 13, 2047 |
| Rate | 4% |
|---|
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 | $2,364.00 (-59.52%) | ||
| 2025 | $5,840.00 | $16,000 (-) Land $3,450 Building $12,550 | $733,945 (+8.72%) Land $158,257 Building $575,688 |
| 2024 | $16,000 (-) Land $3,450 Building $12,550 | $675,106 (+0.84%) Land $145,570 Building $529,536 | |
| 2023 | $16,000 Land $3,450 Building $12,550 | $669,456 Land $144,351 Building $525,105 |
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.
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 | 3 in force |
| Nearby Flood Claims | 5 (2011–2023) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 2023 · Severe Storm And Flooding |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
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 427 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 | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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