39 Colby Ave, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 39 Colby Ave, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,085 sqft · built 1958
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$2,775,000 (Apr 2026)
Tax Bill	$32,707 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`551400 146-18-1-49`

Property Details

APN / Parcel Number

Primary APN	`551400 146-18-1-49`
Alternative APN	`140014601800010490000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,085 sqft Living Area
1st Floor Area	1,452 sqft
2nd Floor Area	633 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Split Level
Exterior Material	Composition/Composite
Lot Area	10,454 sqft (0.24 acres)
Patio Area	14 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	39 COLBY AVE
City	RYE
State	NY
Zip	10580-2549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Subdivision	RYE GARDENS
Legal Block	1
Legal Lot Number	49.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	2
Census Block	2004
Census Tract	7500

Owner

39 Colby Ave is owned by two individuals who bought it in April 2026.

Source: Westchester County and Rye City 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 File
Mailing Address	10 HIGHLAND PK PL, RYE, NY 10580-1736
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 14, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage CITIBANK NYS
Aug 8, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage CITIBANK NA
Aug 8, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage CITIBANK NA
Aug 30, 2022	Quit Claim Deed, Transfer NOT AVAILABLE, GLOBALSERVE TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2026 · Amount on File
Deed Sale	Apr 14, 2026 · Amount on File
Prior Sale	Aug 8, 2023 · Amount on File
Deed Document Number	20263413
Prior Transfer Date	Aug 4, 2022
Prior Transfer Doc	0000003658
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	39 COLBY AVE, RYE, NY 10580-2549
Transaction Type	Mortgage
Record Updated	Apr 22, 2026
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 ORCHARD DR, PURCHASE, NY 10577-2205

Mortgage

Document Number	0621603783
Date	Jun 15, 2022
Instrument	621603783

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Apr 14, 2026
Property Address	39 COLBY AVE, RYE, NY 10580-2549
Document Number	0000003413
Instrument Date	Mar 30, 2026
Instrument	20263413
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FUTURA TITLE, FUTURE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,121,100.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10 HIGHLAND PK PL, RYE, NY 10580-1736

Mortgage

Document Number	0000003404,
Date	Apr 14, 2026
Instrument	20263404

Lender

Name	CITIBANK NYS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Aug 8, 2023
Property Address	39 COLBY AVE, RYE, NY 10580-2549
Document Number	0631703001
Instrument Date	Jun 20, 2023
Instrument	631703001
Transaction Type	Transfer
Record Updated	Feb 15, 2024
Title Company	FUTURE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 PELHAMDALE AVE, PELHAM, NY 10803-2941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2628 BROADWAY APT 4A, 4A, NEW YORK, NY 10025-5107

Mortgage

Document Number	0631723598
Date	Aug 8, 2023
Instrument	631723598

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2053

August 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Aug 8, 2023
Property Address	39 COLBY AVE, RYE, NY 10580-2549
Document Number	0631703001
Instrument Date	Jun 20, 2023
Instrument	631703001
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FUTURE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 PELHAMDALE AVE, PELHAM, NY 10803-2941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2628 BROADWAY APT 4A, 4A, NEW YORK, NY 10025-5107
Investor	Possibly a Property Investor

Mortgage

Document Number	0631723598
Date	Aug 8, 2023
Instrument	631723598

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2053

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Aug 30, 2022
Property Address	39 COLBY AVE, RYE, NY 10580-2549
Document Number	0622143658
Map Reference	MAP 10475
Instrument Date	Aug 4, 2022
Instrument	622143658
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	NOT AVAILABLE, GLOBALSERVE TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 PELHAMDALE AVE, 900, PELHAM, NY 10803-2941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 PELHAMDALE AVE, PELHAM, NY 10803-2941

Tax Assessment & Valuation

The 2026 property tax bill for 39 Colby Ave was $32,707, down 24.8% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
Municipality	Rye City
Unified School District	Rye City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$32,707.00 (-24.84%)
2025	$43,518.00	$25,800 (-) Land $5,900 Building $19,900	$2,186,441 (+6.78%) Land $500,000 Building $1,686,441
2024		$25,800 (-) Land $5,900 Building $19,900	$2,047,619 (+2.38%) Land $468,254 Building $1,579,365
2023		$25,800 Land $5,900 Building $19,900	$2,000,000 Land $457,364 Building $1,542,636

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

FEMA maps place 39 Colby Ave in Zone X, an area of minimal flood risk, though there have been 50 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	50 (1978–2024)
Claims Outside the SFHA	29 of 50
Most Recent Claim	Aug 2024 · other causes
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 4 claims Severe Storms And Flooding, Mar 2010 · 4 claims

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

Wildfire risk around 39 Colby 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 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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