46 Howard St, Mount Vernon, NY 10550 Property Records

Westchester County and Mount Vernon City property record for 46 Howard St, Mount Vernon, NY 10550

Property Summary

Property Type	Duplex
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Tax Bill	$12,375 (2026)
Deeds & Mortgages	May 2021 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`550800 165.53-1090-5`

Property Details

APN / Parcel Number

Primary APN	`550800 165.53-1090-5`
Alternative APNs	`080016505310900050000000` `015700`

Exterior

Architectural Style	Duplex Single
Lot Area	3,485 sqft (0.08 acres)

Location & Zoning

Account Number	015700
Street Address	46 HOWARD ST
City	MOUNT VERNON
State	NY
Zip	10550-1041
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Subdivision	MAP OF NORTHWEST MOUNT VERNON
Legal Block	1090
Legal Lot Number	5.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	MOUNT VERNON
Census Block Group	3
Census Block	3004
Census Tract	3700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	107 NORTH ST, 1, MOUNT VERNON, NY 10550-1151
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jul 2, 2020	Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	46 HOWARD ST, MOUNT VERNON, NY 10550-1041
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	RJF TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0611413421
Date	May 25, 2021
Instrument	611413421

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jul 1, 2050

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Jul 2, 2020
Property Address	46 HOWARD ST, MOUNT VERNON, NY 10550-1041
Document Number	0601563310
Book / Page	060156 / 003310
Instrument Date	Jun 15, 2020
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	RJF TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,720.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 NORTH ST #1 MOUNT VERNON NY 105501151, 1, MOUNT VERNON, NY 10550-1151

Mortgage

Document Number	601713136
Date	Jul 2, 2020
Book Page	060171/003136

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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	$12,375.00 (-69.78%)
2025	$40,949.00	$7,200 (-) Land $2,000 Building $5,200	$400,000 (+6.67%) Land $111,111 Building $288,889
2024		$7,200 (-) Land $2,000 Building $5,200	$375,000 (-10.94%) Land $104,167 Building $270,833
2023		$7,200 Land $2,000 Building $5,200	$421,053 Land $116,959 Building $304,094

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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 778 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

May also be available: Spectrum, T-Mobile.

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