45 Joan Dr, Chappaqua, NY 10514 Property Records

Westchester County and New Castle Town property record for 45 Joan Dr, Chappaqua, NY 10514

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,981 sqft · built 1975
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Last Sale	$1,175,000 (Jan 2003)
Tax Bill	$31,819 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`553600 81.10-3-3`

Property Details

APN / Parcel Number

Primary APN	`553600 81.10-3-3`
Alternative APNs	`360008101000030030000000` `2036050`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,981 sqft Living Area
1st Floor Area	1,763 sqft
2nd Floor Area	1,218 sqft
Basement Area	1,073 sqft
Finished Basement	1,073 sqft
Unfinished Basement	1,073 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Attached
Garage Area	1,028 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	68 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Water Source	Commercial

Location & Zoning

Account Number	2036050
Street Address	45 JOAN DR
City	CHAPPAQUA
State	NY
Zip	10514-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Block	3
Legal Lot Number	3.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	NEW CASTLE
Census Block Group	1
Census Block	1007
Census Tract	13103

Owner

45 Joan Dr is owned and occupied by two individuals who acquired it in April 2005.

Source: Westchester County and New Castle Town records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 JOAN DR, CHAPPAQUA, NY 10514-1414
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
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Apr 25, 2019	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Nov 12, 2020	Grant Deed, Transfer KENNETH PREGNO AGENCY, INC
Nov 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage LUXURY MTG CORP
Oct 24, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2003 · Amount on File
Deed Sale	Jan 7, 2003 · Amount on File
Deed Document Number	2003423580610
Last Transfer Date	Apr 24, 2005
Transfer Doc	0451380441
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	45 JOAN DR, CHAPPAQUA, NY 10514-1414
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0610363894
Date	Mar 4, 2021
Instrument	610363894

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	45 JOAN DR, CHAPPAQUA, NY 10514-1414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0591153053
Date	Apr 25, 2019
Instrument	591153053

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Nov 12, 2020
Property Address	45 JOAN DR, CHAPPAQUA, NY 10514-1414
Document Number	0603043377
Book / Page	060304 / 003377
Instrument Date	Nov 3, 2020
Transaction Type	Transfer
Record Updated	Nov 26, 2020
Title Company	KENNETH PREGNO AGENCY, INC

Transaction

Amount	Amount on Record
Tax	$5,004.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	WREN CT CORTLANDT MANOR NY 10567, CORTLANDT MANOR, NY 10567

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	45 JOAN DR, CHAPPAQUA, NY 10514-1414
Document Number	0583233475
Instrument Date	Nov 8, 2018
Transaction Type	Mortgage
Record Updated	Dec 4, 2018
Title Company	STATEWIDE ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 JOAN DR CHAPPAQUA NY 105141414, CHAPPAQUA, NY 10514-1414

Mortgage

Document Number	0583233475
Date	Nov 21, 2018
Book Page	058323/003475

Lender

Name	LUXURY MTG CORP
Address	STAMFORD, CT 06901

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 20, 2033

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Oct 24, 2018
Property Address	45 JOAN DR, CHAPPAQUA, NY 10514-1414
Document Number	0582853175
Book / Page	058285 / 003175
Instrument Date	Oct 15, 2018
Transaction Type	Transfer
Record Updated	Nov 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,964.89
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 JOAN DR CHAPPAQUA NY 105141414, CHAPPAQUA, NY 10514-1414

Tax Assessment & Valuation

The 2026 property tax bill for 45 Joan Dr was $31,819, up 20.6% from the year before.

Source: Westchester County and New Castle Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	New Castle Town
Unified School District	Chappaqua Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$31,819.00 (+20.57%)
2025	$26,391.00	$186,690 (-) Land $75,000 Building $111,690	$1,338,279 (+0.86%) Land $537,634 Building $800,645
2024		$186,690 (-) Land $75,000 Building $111,690	$1,326,866 (+5.19%) Land $533,049 Building $793,817
2023		$186,690 Land $75,000 Building $111,690	$1,261,419 Land $506,757 Building $754,662

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 45 Joan Dr in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1980.

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
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	25 (1980–2021)
Claims Outside the SFHA	20 of 25
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Severe Storms And Flooding, Mar 2010 · 2 claims Coastal Storms & Flooding, Apr 1984 · 4 claims

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 45 Joan Dr is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	NEW CASTLE/STANWOOD W.D. serves 17,116 people · EPA ID NY5903442
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026) 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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Optimum Cable · Fiber in parts of the area	940 / 35

May also be available: T-Mobile.

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