45 Otsego St, Yonkers, NY 10704 Property Records

Westchester County and Yonkers City property record for 45 Otsego St, Yonkers, NY 10704

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,518 sqft · built 1940
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$419,000 (Nov 2004)
Tax Bill	$1,812 (2026)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`551800 6.-6099-15.16`

Property Details

APN / Parcel Number

Primary APN	`551800 6.-6099-15.16`
Alternative APNs	`180000600060990150160000` `621630934`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,518 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Basement
Porch	Slab
Porch Area	18 sqft

Location & Zoning

Account Number	621630934
Street Address	45 OTSEGO ST
City	YONKERS
State	NY
Zip	10704-2054
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S-50
Legal Block	6099
Legal Lot Number	15.016
Jurisdiction	WESTCHESTER NY
Township / Civil Division	YONKERS
Census Block Group	3
Census Block	3004
Census Tract	2405

Owner

45 Otsego St is owned and occupied by two individuals who bought it in November 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 OTSEGO ST, YONKERS, NY 10704-2054
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2004 · Amount on File
Deed Sale	Nov 18, 2004 · Amount on File
Prior Sale	Apr 27, 1999 · Amount on File
Deed Document Number	200442571574
Record Updated	Oct 29, 2026

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Dec 11, 2018
Property Address	45 OTSEGO ST, YONKERS, NY 10704-2054
Document Number	0582253022
Book / Page	058225 / 003022
Instrument Date	Oct 15, 2018
Transaction Type	Transfer
Record Updated	Dec 21, 2018
Title Company	NEW YORK ABSTRACT AND AGENCY INC, NEW YORK ABS & AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,076.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1491 WEST AVE #1G BRONX NY 104627312, 1G, BRONX, NY 10462-7312

Mortgage

Document Number	582943011
Date	Dec 11, 2018
Book Page	058294/003011

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 45 Otsego St was $1,812, down 84.1% from the year before.

Source: Westchester County and Yonkers City assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
Municipality	Yonkers City
Unified School District	Yonkers City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,812.00 (-84.12%)
2025	$11,413.00	$10,000 (-) Land $2,500 Building $7,500	$581,396 (+3.49%) Land $145,349 Building $436,047
2024		$10,000 (-) Land $2,500 Building $7,500	$561,797 (+0.56%) Land $140,449 Building $421,348
2023		$10,000 Land $2,500 Building $7,500	$558,659 Land $139,665 Building $418,994
2020	$8,857.00

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 Otsego St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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 Claims	1 (1979)
Most Recent Claim	Jan 1979 · 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

The area around 45 Otsego St 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	YONKERS CITY serves 211,569 people · EPA ID NY5903465
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	7 ppb (2024–2026) 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 812 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