Westchester County and Ossining Town property record for 45 Garden St, Ossining, NY 10562
| Details | 3 bd · 2 ba · 1,976 sqft · built 1938 |
|---|---|
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $550,000 (Mar 2025) |
| Tax Bill | $18,454 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 554289 90.15-2-29 |
| Primary APN | 554289 90.15-2-29 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,976 sqft Living Area |
| 1st Floor Area | 1,476 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Unfinished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Split Level |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 70 ft deep x 100 ft wide |
| Garage Type | Basement |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 45 GARDEN ST |
|---|---|
| City | OSSINING |
| State | NY |
| Zip | 10562 |
| Property Category | Other |
| Property Type | Unknown |
| Legal Block | 2 |
| Legal Lot Number | 29.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | OSSINING |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 13700 |
45 Garden St is owned by two individuals who bought it in March 2025.
Source: Westchester County and Ossining Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 84 STH HIGHLAND AVE, OSSINING, NY 10562 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2025 · Amount on File |
| Deed Sale | Mar 24, 2025 · Amount on File |
| Deed Document Number | 20253285 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 45 Garden St was $18,454.
Source: Westchester County and Ossining Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| County Subdivision | Ossining Town |
| Unified School District | Ossining Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $18,454.00 | ||
| 2025 | $590,000 (+3.06%) Land $280,500 Building $309,500 | $590,000 (+3.06%) Land $280,500 Building $309,500 | |
| 2024 | Homeowner's exemption Senior Citizen's exemption | $572,500 (+6.91%) Land $175,600 Building $396,900 | $572,500 (+6.91%) Land $175,600 Building $396,900 |
| 2023 | $535,500 Land $175,600 Building $359,900 | $535,500 Land $175,600 Building $359,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Garden St in Zone X, an area of minimal flood risk, though there have been 11 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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 11 (1978–2021) |
| Claims Outside the SFHA | 5 of 11 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 risk around 45 Garden St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | OSSINING WATER DEPARTMENT serves 30,000 people · EPA ID NY5903451 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 92 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 | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures