3 Terrace Ave, Ossining, NY 10562 Property Records

Westchester County and Ossining Town property record for 3 Terrace Ave, Ossining, NY 10562

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,186 sqft · built 1895
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Oct 2018)
Tax Bill	$14,903 (2026)
Deeds & Mortgages	Oct 2018 Sale & Mortgage Mar 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`554203 89.15-3-17`

Property Details

APN / Parcel Number

Primary APN	`554203 89.15-3-17`
Alternative APN	`55420300211 018 027`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,186 sqft Living Area
1st Floor Area	598 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	100 ft deep x 33 ft wide
Porch	Covered Porch
Porch Area	92 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3 TERRACE AVE
City	OSSINING
State	NY
Zip	10562-3418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	17.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	OSSINING
Census Block Group	1
Census Block	1004
Census Tract	13600

Owner

3 Terrace Ave is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3 TERRACE AVE, OSSINING, NY 10562-3418
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

Date	Document
Oct 25, 2018	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 24, 2017	Quit Claim Deed, Transfer THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SVCS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2018 · Amount on File
Deed Sale	Oct 25, 2018 · Amount on File
Deed Document Number	2018582903512
Prior Transfer Date	Feb 17, 2017
Prior Transfer Doc	0570473279
Record Updated	Oct 29, 2026

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Oct 25, 2018
Property Address	3 TERRACE AVE, OSSINING, NY 10562-3418
Document Number	0582903512
Instrument Date	Oct 2, 2018
Instrument	582903512
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Amount	Amount on Record
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	7 PEACHTREE DR, 7, CORTLANDT MANOR, NY 10567-5233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	951 GREENSIDE DR APT 6328, 6328, RICHARDSON, TX 75080-1171

Mortgage

Document Number	0582983056
Date	Oct 25, 2018
Instrument	582983056

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Mar 24, 2017
Property Address	3 TERRACE AVE, OSSINING, NY 10562-3418
Document Number	0570473279
Book / Page	057047 / 003279
Instrument Date	Feb 17, 2017
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SVCS LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	7 PEACHTREE DR CORTLANDT MANOR NY 105675233, CORTLANDT MANOR, NY 10567-5233

Tax Assessment & Valuation

The 2026 property tax bill for 3 Terrace Ave was $14,903, up 52.6% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	Ossining Town
Municipality	Ossining Village
Unified School District	Ossining Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,903.00 (+52.63%)
2025	$9,764.00	$459,000 (+1.35%) Land $213,700 Building $245,300	$459,000 (+1.35%) Land $213,700 Building $245,300
2024		$452,900 (+7.07%) Land $92,800 Building $360,100	$452,900 (+7.07%) Land $92,800 Building $360,100
2023		$423,000 Land $92,800 Building $330,200	$423,000 Land $92,800 Building $330,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3 Terrace Ave in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (1999–2024)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 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 Terrace Ave 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 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.

Drinking Water

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

Water System	OSSINING WATER DEPARTMENT serves 30,000 people · EPA ID NY5903451
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	3 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	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 463 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

May also be available: T-Mobile.

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