Westchester County and Ossining Town property record for 38 Garden St, Ossining, NY 10562
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,028 sqft · built 1970 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $19,952 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 554289 90.15-2-33 |
| Primary APN | 554289 90.15-2-33 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,028 sqft Living Area |
| 1st Floor Area | 1,888 sqft |
| Basement Area | 1,140 sqft |
| Finished Basement | 1,140 sqft |
| Unfinished Basement | 1,140 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 30,056 sqft (0.69 acres) |
| Garage Type | Basement |
| Patio Area | 856 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 38 GARDEN ST |
|---|---|
| City | OSSINING |
| State | NY |
| Zip | 10562 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2 |
| Legal Lot Number | 33.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | OSSINING |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 13700 |
Source: Westchester County and Ossining 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 | 38 GORDON AVE, BRIARCLIFF MANOR, NY 10510-1529 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 8, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Dec 8, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 38 GARDEN ST, OSSINING, NY 10562 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Title Company | FREEDOM LAND TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0602483336 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | 602483336 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 38 GARDEN ST, OSSINING, NY 10562 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Title Company | FREEDOM LAND TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0602483341 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | 602483341 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Dec 8, 2020 |
| Property Address | 38 GARDEN ST, OSSINING, NY 10562 |
| Document Number | 0603173852 |
| Book / Page | 060317 / 003852 |
| Instrument Date | Dec 3, 2020 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 38 GORDON AVE BRIARCLIFF MANOR NY 105101529, BRIARCLIFF MANOR, NY 10510-1529 |
Source: Westchester County and Ossining Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| County Subdivision | Ossining Town |
| Unified School District | Ossining Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $19,952.00 | ||
| 2025 | $740,500 (+11.15%) Land $338,600 Building $401,900 | $740,500 (+11.15%) Land $338,600 Building $401,900 | |
| 2024 | Additional exemption filed | $666,200 (+6.92%) Land $212,000 Building $454,200 | $666,200 (+6.92%) Land $212,000 Building $454,200 |
| 2023 | $623,100 Land $212,000 Building $411,100 | $623,100 Land $212,000 Building $411,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
| Nearby Flood Claims | 11 (1978–2021) |
| Claims Outside the SFHA | 5 of 11 |
| 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.
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 | 0.02% 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 | 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 |
| 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 92 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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