Westchester County and Rye City property record for 311 Locust Ave, Rye, NY 10580
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,666 sqft · built 1962 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,950,000 (Aug 2020) |
| Tax Bill | $39,552 (2026) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage Mar 2017 Loan Modification + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 551400 146-5-1-3 |
| Primary APN | 551400 146-5-1-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 3,666 sqft Living Area |
| 1st Floor Area | 1,692 sqft |
| 2nd Floor Area | 1,509 sqft |
| Upper Floors Area | 465 sqft |
| Basement Area | 1 sqft |
| Unfinished Basement | 1 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Lot Area | 30,492 sqft (0.7 acres) |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 311 LOCUST AVE |
|---|---|
| City | RYE |
| State | NY |
| Zip | 10580-1636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | GENDALE |
| Legal Block | 1 |
| Legal Lot Number | 3.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | RYE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 7700 |
311 Locust Ave is owned and occupied by two individuals who bought it in August 2020.
Source: Westchester County and Rye City records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 311 LOCUST AVE, RYE, NY 10580-1636 |
| 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.
| Date | Document |
|---|---|
| Aug 26, 2020 | Grant Deed, Transfer WELLS FARGO BK |
| Mar 2, 2017 | Loan Modification, Mortgage BANK OF AMERICA |
| Mar 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2020 · Amount on File |
| Deed Sale | Aug 26, 2020 · Amount on File |
| Prior Sale | Jun 26, 2020 · Amount on File |
| Deed Document Number | 20203334 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Aug 26, 2020 |
| Property Address | 311 LOCUST AVE, RYE, NY 10580-1636 |
| Document Number | 0601773334 |
| Book / Page | 060177 / 003334 |
| Instrument Date | Aug 14, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2020 |
| Title Company | CATIC TITLE INSURANCE COMPANY, CATIC TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,800.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10 E 29TH ST #46B NEW YORK NY 100167446, 46B, NEW YORK, NY 10016-7446 |
| Document Number | 602373636 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 060237/003636 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 25, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 311 LOCUST AVE, RYE, NY 10580-1636 |
| Document Number | 0570743301 |
| Instrument Date | Mar 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2019 |
| Title Company | EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 311 LOCUST AVE RYE NY 105801636, RYE, NY 10580-1636 |
| Document Number | 0570743301 |
|---|---|
| Date | Mar 15, 2017 |
| Book Page | 057074/003301 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 14, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 311 LOCUST AVE, RYE, NY 10580-1636 |
| Document Number | 0570743300 |
| Instrument Date | Mar 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2019 |
| Title Company | EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 311 LOCUST AVE RYE NY 105801636, RYE, NY 10580-1636 |
| Document Number | 0570743300 |
|---|---|
| Date | Mar 15, 2017 |
| Book Page | 057074/003300 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NY 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 14, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
The 2026 property tax bill for 311 Locust Ave was $39,552, up 8.9% from the year before.
Source: Westchester County and Rye City assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| Municipality | Rye City |
| Unified School District | Rye City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $39,552.00 (+8.95%) | ||
| 2025 | $36,304.00 | $31,200 (-) Land $7,900 Building $23,300 | $2,644,068 (+6.78%) Land $669,492 Building $1,974,576 |
| 2024 | $31,200 (-) Land $7,900 Building $23,300 | $2,476,190 (+2.38%) Land $626,984 Building $1,849,206 | |
| 2023 | $31,200 Land $7,900 Building $23,300 | $2,418,605 Land $612,403 Building $1,806,202 |
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 311 Locust Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 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 |
|
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 311 Locust 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 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.
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 |
| 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.
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 |
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