389 E 5th St, Mount Vernon, NY 10553 Property Records

Westchester County and Mount Vernon City property record for 389 E 5th St, Mount Vernon, NY 10553

Property Summary

Property Type	Single Family Home
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Jun 2020)
Deeds & Mortgages	May 2023 Line of Credit Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550800 169.25-4054-15`

Property Details

APN / Parcel Number

Primary APN	`550800 169.25-4054-15`
Alternative APNs	`080016902540540150000000` `104930`

Exterior

Lot Area	3,485 sqft (0.08 acres)

Location & Zoning

Account Number	104930
Street Address	389 E 5TH ST
City	MOUNT VERNON
State	NY
Zip	10553-1922
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	THE MARGUAND PROPERTY ON COLUMBUS
Legal Block	4054
Legal Lot Number	15.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	MOUNT VERNON
Census Block Group	2
Census Block	2007
Census Tract	3300

Owner

Source: Westchester County and Mount Vernon City records, as of May 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	389 E 5TH ST, MOUNT VERNON, NY 10553-1922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jun 2, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 26, 2020	Bargain and Sale Deed, Transfer · FHA Mortgage UNITED NORTHERN MORTGAGE BANKERS LT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2020 · Amount on Record
Deed Sale	Jun 26, 2020 · Amount on Record
Prior Sale	Jun 3, 2011 · Amount on Record
Deed Document Number	2020593633021
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	389 E 5TH ST, MOUNT VERNON, NY 10553-1922
Transaction Type	Mortgage
Record Updated	May 29, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 E 5TH ST, MOUNT VERNON, NY 10553-1922

Mortgage

Document Number	0631373003
Date	May 17, 2023
Instrument	631373003

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 7, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	389 E 5TH ST, MOUNT VERNON, NY 10553-1922
Transaction Type	Mortgage
Record Updated	Jun 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 E 5TH ST, MOUNT VERNON, NY 10553-1922

Mortgage

Document Number	0621523748
Date	Jun 2, 2022
Instrument	621523748

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2052

June 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Jun 26, 2020
Property Address	389 E 5TH ST, MOUNT VERNON, NY 10553-1922
Document Number	0593633021
Map Reference	VOL 29 PG 53
Instrument Date	Dec 30, 2019
Instrument	593633021
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	RECORD & RETURN TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	389 E 5TH ST, 389, MOUNT VERNON, NY 10553-1922

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 ASHBURTON AVE APT 2F, 2F, YONKERS, NY 10701-7906

Mortgage

Document Number	0600133541
Date	Jun 26, 2020
Instrument	600133541

Lender

Name	UNITED NORTHERN MORTGAGE BANKERS LT
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Westchester County and Mount Vernon City assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
Municipality	Mount Vernon City
Unified School District	Mount Vernon School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$6,500 (-) Land $2,000 Building $4,500	$361,111 (+6.67%) Land $111,111 Building $250,000
2024	$6,500 (-) Land $2,000 Building $4,500	$338,542 (-10.94%) Land $104,167 Building $234,375
2023	$6,500 Land $2,000 Building $4,500	$380,117 Land $116,959 Building $263,158

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.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1983–1984)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 1984 · tidal / storm surge

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	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.

Drinking Water

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

Water System	MOUNT VERNON WATER DEPARTMENT serves 73,893 people · EPA ID NY5903441
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	7 ppb (2025–2027) 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 839 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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