Westchester County and Mount Vernon City property record for 485 E Prospect Ave, Mount Vernon, NY 10553
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 3,597 sqft · built 1923 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $18,046 (2026) |
| Deeds & Mortgages | May 2021 Mortgage May 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 550800 165.57-2099-14 |
| Primary APN | 550800 165.57-2099-14 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 3,597 sqft Living Area |
| 1st Floor Area | 1,464 sqft |
| 2nd Floor Area | 1,422 sqft |
| Upper Floors Area | 711 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,356 sqft (0.1 acres) |
| Porch | Slab |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 042460 |
|---|---|
| Street Address | 485 E PROSPECT AVE |
| City | MOUNT VERNON |
| State | NY |
| Zip | 10553-1122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | MAP OF DARWOOD |
| Legal Block | 2099 |
| Legal Lot Number | 14.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | MOUNT VERNON |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 4100 |
Source: Westchester County and Mount Vernon City records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 485 E PROSPECT AVE, MOUNT VERNON, NY 10553-1122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage UNMB HOME LOANS INC |
| May 9, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 485 E PROSPECT AVE, MOUNT VERNON, NY 10553-1122 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2022 |
| Title Company | STATEWIDE ABSTRACT CORP |
| Name | Verified Name |
|---|---|
| Address | 2 MERSEREAU AVE, MOUNT VERNON, NY 10553-1106 |
| Document Number | 0611233521 |
|---|---|
| Date | May 7, 2021 |
| Instrument | 611233521 |
| Name | UNMB HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | LEVITTOWN, NY 11756 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | May 9, 2018 |
| Property Address | 485 E PROSPECT AVE, MOUNT VERNON, NY 10553-1122 |
| Document Number | 0560983344 |
| Book / Page | 056098 / 003344 |
| Instrument Date | Apr 16, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 BIANCA BLVD CHESTER NY 109181463, CHESTER, NY 10918-1463 |
Source: Westchester County and Mount Vernon City assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| Municipality | Mount Vernon City |
| Unified School District | Mount Vernon School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $18,046.00 (+21.43%) | ||
| 2025 | $14,861.00 | $10,500 (-) Land $2,500 Building $8,000 | $583,333 (+6.67%) Land $138,889 Building $444,444 |
| 2024 | $10,500 (+23.53%) Land $2,500 Building $8,000 | $546,875 (+10.02%) Land $130,208 Building $416,667 | |
| 2023 | $8,500 Land $2,500 Building $6,000 | $497,076 Land $146,199 Building $350,877 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 3 in force |
| Nearby Flood Claims | 2 (2018–2022) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2022 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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 | 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 |
| 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 550 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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