490 Purchase St, Rye, NY 10580 Property Records

Westchester County and Harrison Town property record for 490 Purchase St, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,039 sqft · built 1955
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,135,000 (Nov 2017)
Tax Bill	$49,881 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`552801 0544.-33`

Property Details

APN / Parcel Number

Primary APN	`552801 0544.-33`
Alternative APNs	`5528000005440000033` `000034710`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	3,039 sqft Living Area
1st Floor Area	2,046 sqft
2nd Floor Area	993 sqft
Upper Floors Area	253 sqft
Attic	Attic
Attic Area	1,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	487 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	000034710
Street Address	490 PURCHASE ST
City	RYE
State	NY
Zip	10580-1870
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Subdivision	WESTCHESTER BILTMORE CORPORATION
Legal Lot Number	33
Jurisdiction	WESTCHESTER NY
Township / Civil Division	HARRISON
Census Block Group	2
Census Block	2000
Census Tract	8500

Owner

Source: Westchester County and Harrison Town records, as of May 14, 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	490 PURCHASE ST, RYE, NY 10580-1870
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage HSBC BANK USA
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage HSBC BANK USA
Nov 1, 2017	Bargain and Sale Deed, Transfer · Conventional Mortgage LUXURY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2017 · Amount on Record
Deed Sale	Nov 1, 2017 · Amount on Record
Prior Sale	Dec 16, 2009 · Amount on Record
Deed Document Number	2017572903164
Prior Transfer Date	Jan 29, 1999
Prior Transfer Doc	1228000289
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	490 PURCHASE ST, RYE, NY 10580-1870
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	TITLETRAK AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 PURCHASE ST, RYE, NY 10580-1870

Mortgage

Document Number	0612953038
Date	Oct 25, 2021
Instrument	612953038

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	237 Months
Due	Jul 1, 2041

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	490 PURCHASE ST, RYE, NY 10580-1870
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	TITLETRAK AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 PURCHASE ST, RYE, NY 10580-1870

Mortgage

Document Number	0612953039
Date	Oct 25, 2021
Instrument	612953039

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Nov 1, 2017
Property Address	490 PURCHASE ST, RYE, NY 10580-1870
Document Number	0572903164
Map Reference	MAP NO 3322
Instrument Date	Oct 23, 2017
Instrument	572903164
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	ATTORNEYS TITLE INS AGENCY I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	136 ROCKWELL ST, HARRISON, NY 10528-2949

Mortgage

Document Number	0573003098
Date	Nov 1, 2017
Instrument	573003098

Lender

Name	LUXURY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Westchester County and Harrison Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	Harrison Town
Municipality	Harrison Village
Unified School District	Harrison Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$49,881.00	$16,000 (-) Land $2,430 Building $13,570	$1,379,311 (-2.59%) Land $209,483 Building $1,169,828
2024		$16,000 (-) Land $2,430 Building $13,570	$1,415,929 (+3.54%) Land $215,044 Building $1,200,885
2023		$16,000 Land $2,430 Building $13,570	$1,367,521 Land $207,692 Building $1,159,829

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

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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	8 (1979–2021)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% 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	WESTCHESTER JOINT WATER WORKS serves 59,629 people · EPA ID NY5903435
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	3 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Failure to filter currently in violation since Jun 1993 Haloacetic acids resolved · Jul 2019
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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Optimum Cable	940 / 35

May also be available: T-Mobile.

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