Westchester County and Ossining Town property record for 46 Water St, Ossining, NY 10562
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $12,623 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 554203 97.07-1-21 |
| Primary APN | 554203 97.07-1-21 |
|---|---|
| Alternative APN |
|
| Lot Area | 3,920 sqft (0.09 acres) |
|---|---|
| Lot Dimensions | 90 ft deep x 48 ft wide |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 46 WATER ST |
|---|---|
| City | OSSINING |
| State | NY |
| Zip | 10562 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Block | 1 |
| Legal Lot Number | 21.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | OSSINING |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 13301 |
46 Water St, a commercial property, is owned and occupied by an individual.
Source: Westchester County and Ossining Town records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 17 SECOR RD, OSSINING, NY 10562-4854 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 46 WATER ST, OSSINING, NY 10562 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4 WATER ST 6, 6, OSSINING, NY 10562-4604 |
| Document Number | 0621033169 |
|---|---|
| Date | Apr 13, 2022 |
| Instrument | 621033169 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | IRVINE, CA 92602 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 149 Months |
| Due | Sep 1, 2034 |
The 2026 property tax bill for 46 Water St was $12,623 with a homeowner's exemption, down 15.6% from the year before.
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 |
| Municipality | Ossining Village |
| Unified School District | Ossining Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,623.00 (-15.57%) Homeowner's exemption | ||
| 2025 | $14,951.00 | $443,000 (+1.89%) Land $136,000 Building $307,000 | $443,000 (+1.89%) Land $136,000 Building $307,000 |
| 2024 | Homeowner's exemption | $434,800 (+3.01%) Land $136,000 Building $298,800 | $434,800 (+3.01%) Land $136,000 Building $298,800 |
| 2023 | $422,100 Land $136,000 Building $286,100 | $422,100 Land $136,000 Building $286,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Water St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 10 (1991–2012) |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| Claims by Event |
|
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.
The area around 46 Water 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.
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 14 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 |
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