403 S 1st Ave, Mount Vernon, NY 10550 Property Records

Westchester County and Mount Vernon City property record for 403 S 1st Ave, Mount Vernon, NY 10550

Property Summary

Property Type	Duplex
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$545,000 (Oct 2005)
Tax Bill	$14,839 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550800 169.31-3128-1`

Property Details

APN / Parcel Number

Primary APN	`550800 169.31-3128-1`
Alternative APNs	`080016903131280010000000` `088970`

Exterior

Architectural Style	Duplex Single
Lot Area	6,970 sqft (0.16 acres)

Location & Zoning

Account Number	088970
Street Address	403 S 1ST AVE
City	MOUNT VERNON
State	NY
Zip	10550-4501
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Subdivision	MAP OF THE VILLAGE OF MOUNT VERNON
Legal Block	3128
Legal Lot Number	1.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	MOUNT VERNON
Census Block Group	1
Census Block	1010
Census Tract	2700

Owner

403 S 1st Ave, a duplex, is owned and occupied by an individual who bought it in October 2005.

Source: Westchester County and Mount Vernon City records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	403 S 1ST AVE, MOUNT VERNON, NY 10550-4501
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage EMPORIUM TPO LLC
Apr 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2005 · Amount on File
Deed Sale	Oct 3, 2005 · Amount on File
Deed Document Number	2005452620502
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	403 S 1ST AVE, MOUNT VERNON, NY 10550-4501
Transaction Type	Mortgage
Record Updated	Dec 30, 2025
Title Company	TRIBOROUGH LAND SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	259 E 4TH ST, MOUNT VERNON, NY 10553-1425

Mortgage

Document Number	0653503300
Date	Dec 16, 2025
Instrument	653503300

Lender

Name	EMPORIUM TPO LLC
Type	Mortgage Company
Address	FRISCO, TX 75034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056
Prepayment Penalty	00 Months

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	403 S 1ST AVE, MOUNT VERNON, NY 10550-4501
Transaction Type	Mortgage
Record Updated	Apr 22, 2022
Title Company	TITLEVEST AGENCY INC, TITLEVEST AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 S 1ST AVE, MOUNT VERNON, NY 10550-4501

Mortgage

Document Number	0620903533
Date	Apr 1, 2022
Instrument	620903533

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Feb 1, 2037

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	403 S 1ST AVE, MOUNT VERNON, NY 10550-4501
Transaction Type	Mortgage
Record Updated	Apr 22, 2022
Title Company	TITLEVEST AGENCY INC, TITLEVEST AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 S 1ST AVE, MOUNT VERNON, NY 10550-4501

Mortgage

Document Number	0620903535
Date	Apr 1, 2022
Instrument	620903535

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	178 Months
Due	Feb 1, 2037

Interest

Rate	2.62%

Tax Assessment & Valuation

The 2026 property tax bill for 403 S 1st Ave was $14,839 with a homeowner's exemption, up 39.4% from the year before.

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	$14,839.00 (+39.39%) Homeowner's exemption
2025	$10,646.00	$9,420 (-) Land $3,900 Building $5,520	$523,334 (+6.67%) Land $216,667 Building $306,667
2024	Homeowner's exemption	$9,420 (-) Land $3,900 Building $5,520	$490,625 (-10.94%) Land $203,125 Building $287,500
2023		$9,420 Land $3,900 Building $5,520	$550,877 Land $228,070 Building $322,807

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 403 S 1st Ave in Zone X, an area of minimal flood risk.

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

The area around 403 S 1st 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.

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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