441 Locust St, Mount Vernon, NY 10552 Property Records

Westchester County and Mount Vernon City property record for 441 Locust St, Mount Vernon, NY 10552

Property Summary

Property Type	Duplex
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Apr 2022)
Tax Bill	$12,031 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jan 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`550800 165.37-1096-28`

Property Details

APN / Parcel Number

Primary APN	`550800 165.37-1096-28`
Alternative APNs	`080016503710960280000000` `018090`

Exterior

Architectural Style	Duplex Single
Lot Area	2,614 sqft (0.06 acres)

Location & Zoning

Account Number	018090
Street Address	441 LOCUST ST
City	MOUNT VERNON
State	NY
Zip	10552-2604
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Subdivision	SUBDIVISION MAP PROPERTY VILLA STREET
Legal Block	1096
Legal Lot Number	28.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	MOUNT VERNON
Census Block Group	1
Census Block	1000
Census Tract	3700

Owner

441 Locust St, a duplex, is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	441 LOCUST ST, MOUNT VERNON, NY 10552-2604
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
Apr 19, 2022	Bargain and Sale Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Jan 24, 2022	Intrafamily Transfer, Transfer THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SVCS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2022 · Amount on File
Deed Sale	Apr 19, 2022 · Amount on File
Prior Sale	Oct 18, 1993 · Amount on File
Deed Document Number	20223595
Record Updated	Oct 29, 2026

April 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Apr 19, 2022
Property Address	441 LOCUST ST, MOUNT VERNON, NY 10552-2604
Document Number	0620823595
Map Reference	MAP 95
Instrument Date	Mar 25, 2022
Instrument	620823595
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	NEW AGE TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 LOCUST ST, MOUNT VERNON, NY 10552-2604

Mortgage

Document Number	0620953215
Date	Apr 19, 2022
Instrument	620953215

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WESTCHESTER NY
Recording Date	Jan 24, 2022
Property Address	441 LOCUST ST, MOUNT VERNON, NY 10552-2604
Document Number	0613233744
Map Reference	MAP 95
Instrument Date	Nov 22, 2021
Instrument	613233744
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	531 E LINCOLN AVE APT 6L, 6L, MOUNT VERNON, NY 10552-3740

Tax Assessment & Valuation

The 2026 property tax bill for 441 Locust St was $12,031, down 33.2% 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	$12,031.00 (-33.22%)
2025	$18,017.00	$7,000 (-) Land $1,400 Building $5,600	$388,889 (+6.67%) Land $77,778 Building $311,111
2024		$7,000 (-) Land $1,400 Building $5,600	$364,584 (-10.94%) Land $72,917 Building $291,667
2023		$7,000 Land $1,400 Building $5,600	$409,356 Land $81,871 Building $327,485

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 441 Locust St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

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	2 (2021–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2022 · rainfall accumulation

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 441 Locust St 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 98% of the US · lower than 97.9% 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	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 367 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 · Fiber in parts of the area	1,000 / 1,000

May also be available: Optimum, T-Mobile.

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