Westchester County and Rye City property record for 40 Orchard Ave, Rye, NY 10580
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 3,764 sqft · built 1923 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,828,350 (Sep 2025) |
| Tax Bill | $17,416 (2026) |
| Deeds & Mortgages | Oct 2026 Mortgage Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 551400 146-7-2-74 |
| Primary APN | 551400 146-7-2-74 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,764 sqft Total Area |
| 1st Floor Area | 1,791 sqft |
| 2nd Floor Area | 1,973 sqft |
| Upper Floors Area | 368 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Colonial |
| Exterior Material | Stucco |
| Lot Area | 11,326 sqft (0.26 acres) |
| Cooling System | Central |
|---|
| Street Address | 40 ORCHARD AVE |
|---|---|
| City | RYE |
| State | NY |
| Zip | 10580-2806 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RA3 |
| Legal Subdivision | MAP OF LOTS AMANDA M HALSTEAD |
| Legal Block | 2 |
| Legal Lot Number | 74.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | RYE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 7700 |
40 Orchard Ave, a duplex, is owned by a company that bought it in September 2025 and is owner-occupied.
Source: Westchester County and Rye City records, as of October 22, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2975 WESTCHESTER AVE, 410, PURCHASE, NY 10577-2500 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Oct 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK |
| Sep 30, 2025 | Bargain and Sale Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 8, 2025 | Bargain and Sale Deed, Transfer GLOBAL TITLE AGENCY, GLOBALSERVE TITLE AGENCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2025 · Amount on File |
| Deed Sale | Sep 30, 2025 · Amount on File |
| Prior Sale | Jan 10, 1996 · Amount on File |
| Deed Document Number | 20253335 |
| Prior Transfer Date | Jan 11, 2021 |
| Prior Transfer Doc | 0000003471 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Oct 13, 2026 |
| Property Address | 40 ORCHARD AVE, RYE, NY 10580-2806 |
| Instrument Date | Jun 10, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 2975 WESTCHESTER AVE, PURCHASE, NY 10577-2518 |
| Date | Oct 13, 2026 |
|---|
| Name | COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Sep 30, 2025 |
| Property Address | 40 ORCHARD AVE, RYE, NY 10580-2806 |
| Document Number | 0652603335 |
| Map Reference | VOL 50 PG 61 |
| Instrument Date | Sep 19, 2025 |
| Instrument | 652603335 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Title Company | GLOBALSERVE TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,314.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 ORCHARD AVE, RYE, NY 10580-2806 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4 ORCHARD DR, PURCHASE, NY 10577-2205 |
| Document Number | 0652733351 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 652733351 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Oct 8, 2025 |
| Property Address | 40 ORCHARD AVE, RYE, NY 10580-2806 |
| Document Number | 0652623392 |
| Instrument Date | Sep 19, 2025 |
| Instrument | 652623392 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | GLOBAL TITLE AGENCY, GLOBALSERVE TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2975 WESTCHESTER AVE STE 410, 410, PURCHASE, NY 10577-2500 |
| Name | Verified Name |
|---|---|
| Address | 2975 WESTCHESTER AVE STE 410, 410, PURCHASE, NY 10577-2500 |
The 2026 property tax bill for 40 Orchard Ave was $17,416 with exemptions applied, up 20.7% from the year before.
Source: Westchester County and Rye City assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| Municipality | Rye City |
| Unified School District | Rye City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $17,416.00 (+20.68%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $14,432.00 | $15,200 (-) Land $5,850 Building $9,350 | $1,288,136 (+6.78%) Land $495,763 Building $792,373 |
| 2024 | Homeowner's exemption Senior Citizen's exemption | $15,200 (-) Land $5,850 Building $9,350 | $1,206,349 (+2.38%) Land $464,286 Building $742,063 |
| 2023 | $15,200 Land $5,850 Building $9,350 | $1,178,294 Land $453,488 Building $724,806 |
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.
FEMA maps place 40 Orchard Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 54 individual policies |
| Nearby Flood Policies | 88 units insured incl. 34 condo units |
| Nearby Flood Claims | 340 (1978–2023) |
| Claims Outside the SFHA | 91 of 340 |
| Most Recent Claim | Sep 2023 · Severe Storm And Flooding |
| 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.
No wildfire likelihood is modeled around 40 Orchard Ave, 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 wildfire likelihood modeled here |
|---|
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 166 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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