312 Gainsborg Ave E, West Harrison, NY 10604 Property Records

Westchester County and Harrison Town property record for 312 Gainsborg Ave E, West Harrison, NY 10604

Property Summary

Property Type	Duplex
Details	2 ba · 1,915 sqft · built 1956
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Tax Bill	$14,667 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`552801 0917.-4`

Property Details

APN / Parcel Number

Primary APN	`552801 0917.-4`
Alternative APNs	`5528000009170000004` `000056930`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,915 sqft Total Area
1st Floor Area	1,245 sqft
2nd Floor Area	670 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Other
Exterior Material	Wood
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Porch	Slab

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	000056930
Street Address	312 GAINSBORG AVE E
City	WEST HARRISON
State	NY
Zip	10604-2035
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	4
Jurisdiction	WESTCHESTER NY
Township / Civil Division	HARRISON
Census Block Group	2
Census Block	2000
Census Tract	8700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	312 GAINSBORG AVE E, WEST HARRISON, NY 10604-2035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Mar 6, 2023	Deed of Trust, Mortgage · Line of Credit WEBSTER BANK NA
Nov 11, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jun 21, 2017	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	312 GAINSBORG AVE E, WEST HARRISON, NY 10604-2035
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 GAINSBORG AVE E, WEST HARRISON, NY 10604-2035

Mortgage

Document Number	0652793336
Date	Oct 10, 2025
Instrument	652793336

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 11, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	312 GAINSBORG AVE E, WEST HARRISON, NY 10604-2035
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 GAINSBORG AVE E, WEST HARRISON, NY 10604-2035

Mortgage

Document Number	0630623367
Date	Mar 6, 2023
Instrument	630623367

Lender

Name	WEBSTER BANK NA
Type	Bank
Address	STAMFORD, CT 06905

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 17, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.99%
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	312 GAINSBORG AVE E, WEST HARRISON, NY 10604-2035
Document Number	0603383344
Instrument Date	Nov 11, 2020
Transaction Type	Mortgage
Record Updated	Dec 15, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 GAINSBORG AVE E WEST HARRISON NY 106042035, WEST HARRISON, NY 10604-2035

Mortgage

Document Number	0603383344
Date	Dec 3, 2020
Book Page	060338/003344

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Dec 2, 2047

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	312 GAINSBORG AVE E, WEST HARRISON, NY 10604-2035
Document Number	0571813179
Instrument Date	Jun 21, 2017
Transaction Type	Mortgage
Record Updated	Sep 25, 2018
Title Company	BLACKACRE TITLE AGENCY CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	312 GAINSBORG AVE E WEST HARRISON NY 106042035, WEST HARRISON, NY 10604-2035

Mortgage

Document Number	0571813179
Date	Jun 30, 2017
Book Page	057181/003179

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	Harrison Town
Municipality	Harrison Village
Unified School District	Harrison Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,667.00 (-17.75%) Homeowner's exemption
2025	$17,833.00	$10,250 (-) Land $2,000 Building $8,250	$883,621 (-2.59%) Land $172,414 Building $711,207
2024	Homeowner's exemption Additional exemption filed	$10,250 (-) Land $1,200 Building $9,050	$907,080 (+3.54%) Land $106,195 Building $800,885
2023		$10,250 Land $1,200 Building $9,050	$876,068 Land $102,564 Building $773,504

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

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (1979–2021)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	WESTCHESTER JOINT WATER WORKS serves 59,629 people · EPA ID NY5903435
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	3 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter currently in violation since Jun 1993 Haloacetic acids resolved · Jul 2019
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 221 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

Cell Coverage

5G (outdoors only) and 4G LTE

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