Westchester County and Mamaroneck Town property record for 38 Oak Ave, Larchmont, NY 10538
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,875 sqft · built 1929 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $855,000 (Oct 2012) |
| Tax Bill | $26,453 (2026) |
| Deeds & Mortgages | Feb 2023 Refinance Feb 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 553201 7-9-55 |
| Primary APN | 553201 7-9-55 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,875 sqft Living Area |
| 1st Floor Area | 965 sqft |
| 2nd Floor Area | 910 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Basement |
| Patio Area | 148 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 444300 |
|---|---|
| Street Address | 38 OAK AVE |
| City | LARCHMONT |
| State | NY |
| Zip | 10538-3552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-5 |
| Legal Subdivision | MAP OF WOODBINE PARK |
| Legal Block | 55 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | MAMARONECK |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 7100 |
38 Oak Ave is owned and occupied by two individuals who bought it in October 2012.
Source: Westchester County and Mamaroneck Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 OAK AVE, LARCHMONT, NY 10538-3552 |
| 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 |
|---|---|
| Feb 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance UBS BANK USA |
| Feb 13, 2023 | Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2012 · Amount on File |
| Deed Sale | Oct 25, 2012 · Amount on File |
| Prior Sale | Dec 1, 2005 · Amount on File |
| Deed Document Number | 2012522703047 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 38 OAK AVE, LARCHMONT, NY 10538-3552 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 38 OAK AVE, LARCHMONT, NY 10538-3552 |
| Document Number | 0630443084 |
|---|---|
| Date | Feb 13, 2023 |
| Instrument | 630443084 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 15.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 38 OAK AVE, LARCHMONT, NY 10538-3552 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 38 OAK AVE, LARCHMONT, NY 10538-3552 |
| Document Number | 0630443083 |
|---|---|
| Date | Feb 13, 2023 |
| Instrument | 630443083 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2028 |
| Change Frequency | Monthly |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 15.5% |
The 2026 property tax bill for 38 Oak Ave was $26,453 with a homeowner's exemption, up 27.1% from the year before.
Source: Westchester County and Mamaroneck Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| County Subdivision | Mamaroneck Town |
| Municipality | Larchmont Village |
| Unified School District | Mamaroneck Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $26,453.00 (+27.08%) Homeowner's exemption | ||
| 2025 | $20,816.00 | $1,282,000 (+2.97%) Land $383,000 Building $899,000 | $1,282,000 (+2.97%) Land $383,000 Building $899,000 |
| 2024 | Homeowner's exemption | $1,245,000 (+9.02%) Land $383,000 Building $862,000 | $1,245,000 (+9.02%) Land $383,000 Building $862,000 |
| 2023 | $1,142,000 Land $383,000 Building $759,000 | $1,142,000 Land $383,000 Building $759,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Oak 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 |
| Flood Insurance Cost | Premium on File median of 61 policies |
| Nearby Flood Policies | 61 in force |
| Nearby Flood Claims | 60 (1992–2024) |
| Claims Outside the SFHA | 21 of 60 |
| Most Recent Claim | Mar 2024 · rainfall accumulation |
| 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.
The area around 38 Oak Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | LARCHMONT VILLAGE serves 6,485 people · EPA ID NY5903433 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Dec 2025 |
| Lead | 5 ppb (2024–2026) 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 491 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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