Westchester County and Rye City property record for 48 Adelaide St, Rye, NY 10580
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,761 sqft · built 1923 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,225,000 (Oct 2022) |
| Tax Bill | $26,006 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Feb 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 551400 146-19-3-11 |
| Primary APN | 551400 146-19-3-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,761 sqft Living Area |
| 1st Floor Area | 1,089 sqft |
| 2nd Floor Area | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Colonial |
| Exterior Material | Composition/Composite |
| Lot Area | 5,227 sqft (0.12 acres) |
| Street Address | 48 ADELAIDE ST |
|---|---|
| City | RYE |
| State | NY |
| Zip | 10580-3702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Subdivision | MAP OF RYAN PARK |
| Legal Block | 3 |
| Legal Lot Number | 11.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | RYE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 7600 |
Source: Westchester County and Rye City records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 48 ADELAIDE ST, RYE, NY 10580-3702 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Feb 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK NA |
| Feb 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WEBSTER BANK NA |
| Jan 17, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WEBSTER BANK NA |
| Mar 1, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WEBSTER BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2022 · Amount on Record |
| Deed Sale | Oct 24, 2022 · Amount on Record |
| Deed Document Number | 20223520 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Oct 24, 2022 |
| Property Address | 48 ADELAIDE ST, RYE, NY 10580-3702 |
| Document Number | 0622843520 |
| Map Reference | MAP 1941 |
| Instrument Date | Oct 20, 2022 |
| Instrument | 622843520 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2024 |
| Title Company | RECORD AND RETURN TITLE AGENCY, RECORD & RETURN TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 48 ADELAIDE ST, RYE, NY 10580-3702 |
| Name | Verified Name |
|---|---|
| Address | 359 MIDLAND AVE, RYE, NY 10580-3961 |
| Document Number | 0622943493 |
|---|---|
| Date | Oct 24, 2022 |
| Instrument | 622943493 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 48 ADELAIDE ST, RYE, NY 10580-3702 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0610383005 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 610383005 |
| Name | WEBSTER BANK NA |
|---|---|
| Type | Bank |
| Address | WATERBURY, CT 06702 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate | 3% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 48 ADELAIDE ST, RYE, NY 10580-3702 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0610383007 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 610383007 |
| Name | WEBSTER BANK NA |
|---|---|
| Type | Bank |
| Address | WATERBURY, CT 06702 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 27, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 48 ADELAIDE ST, RYE, NY 10580-3702 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0580173302 |
|---|---|
| Date | Jan 17, 2018 |
| Instrument | 580173302 |
| Name | WEBSTER BANK NA |
|---|---|
| Type | Bank |
| Address | WATERBURY, CT 06702 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 173 Months |
| Due | Jun 14, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 48 ADELAIDE ST, RYE, NY 10580-3702 |
| Document Number | 0580893304 |
| Instrument Date | Mar 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2018 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 17 COLUMBIA CIR ALBANY NY 122035156, ALBANY, NY 12203-5156 |
| Document Number | 0580893304 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 058089/003304 |
| Name | WEBSTER BK |
|---|---|
| Type | Bank |
| Address | SOUTHINGTON, CT 06489 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Westchester County and Rye City assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| Municipality | Rye City |
| Unified School District | Rye City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $26,006.00 | $13,800 (-) Land $4,050 Building $9,750 | $1,169,491 (+6.78%) Land $343,220 Building $826,271 |
| 2024 | $13,800 (-) Land $4,050 Building $9,750 | $1,095,239 (+2.38%) Land $321,429 Building $773,810 | |
| 2023 | $13,800 Land $4,050 Building $9,750 | $1,069,767 Land $313,953 Building $755,814 |
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.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 62 policies |
| Nearby Flood Policies | 62 in force |
| Nearby Flood Claims | 88 (1978–2023) |
| Claims Outside the SFHA | 44 of 88 |
| Most Recent Claim | Sep 2023 · Severe Storm And Flooding |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 94% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VEOLIA WATER NEW YORK, INC. RD-2 private · serves 57,301 people · EPA ID NY5903456 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 158 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
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