401 S 4th Ave, Mount Vernon, NY 10550 Property Records

Westchester County and Mount Vernon City property record for 401 S 4th Ave, Mount Vernon, NY 10550

Property Summary

Property Type	Duplex
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$645,000 (Oct 2021)
Tax Bill	$19,765 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550800 169.31-3107-1`

Property Details

APN / Parcel Number

Primary APN	`550800 169.31-3107-1`
Alternative APNs	`080016903131070010000000` `082280`

Exterior

Architectural Style	Duplex Single
Lot Area	5,227 sqft (0.12 acres)

Location & Zoning

Account Number	082280
Street Address	401 S 4TH AVE
City	MOUNT VERNON
State	NY
Zip	10550-4401
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	3107
Legal Lot Number	1.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	MOUNT VERNON
Census Block Group	2
Census Block	2005
Census Tract	2700

Owner

Source: Westchester County and Mount Vernon 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	Individual Name on File
Mailing Address	401 S 4TH AVE, MOUNT VERNON, NY 10550-4401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Deed of Trust, Mortgage · Line of Credit NATIONWIDE MORTGAGE BANKERS INC
Feb 4, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 20, 2022	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on File
Deed Sale	Oct 19, 2021 · Amount on File
Deed Document Number	2021612794024
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Recording Date	Apr 3, 2026
Property Address	401 S 4TH AVE, MOUNT VERNON, NY 10550-4401
Document Number	0000003294
Instrument Date	Mar 23, 2026
Instrument	20263294
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 S 4TH AVE, MOUNT VERNON, NY 10550-4401

Mortgage

Document Number	0000003294,
Date	Apr 3, 2026
Instrument	20263294

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2046

Interest

Rate	6.01%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	401 S 4TH AVE, MOUNT VERNON, NY 10550-4401
Transaction Type	Mortgage
Record Updated	Feb 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 S 4TH AVE, MOUNT VERNON, NY 10550-4401

Mortgage

Document Number	0620353183
Date	Feb 4, 2022
Instrument	620353183

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2051

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	401 S 4TH AVE, MOUNT VERNON, NY 10550-4401
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 S 4TH AVE, MOUNT VERNON, NY 10550-4401

Mortgage

Document Number	0620033955
Date	Jan 20, 2022
Instrument	620033955

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	FORT WORTH, TX 76155

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 27, 2051

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	Tax Bill	Assessed Value	Assessed Market Value
2026	$19,765.00 (+132.07%)
2025	$8,517.00	$11,500 (-) Land $2,300 Building $9,200	$638,889 (+6.67%) Land $127,778 Building $511,111
2024	Homeowner's exemption	$11,500 (-) Land $2,300 Building $9,200	$598,959 (-10.94%) Land $119,792 Building $479,167
2023		$11,500 Land $2,300 Building $9,200	$672,515 Land $134,503 Building $538,012

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 966 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: Optimum, T-Mobile.

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