495 E Prospect Ave, Mount Vernon, NY 10553 Property Records

Westchester County and Mount Vernon City property record for 495 E Prospect Ave, Mount Vernon, NY 10553

Property Summary

Property Type	Single Family Home
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Trust Names on File
Last Sale	$150,000 (Nov 1995)
Tax Bill	$15,468 (2026)
Deeds & Mortgages	May 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`550800 165.57-2098-15`

Property Details

APN / Parcel Number

Primary APN	`550800 165.57-2098-15`
Alternative APNs	`080016505720980150000000` `042230`

Exterior

Lot Area	7,841 sqft (0.18 acres)

Location & Zoning

Account Number	042230
Street Address	495 E PROSPECT AVE
City	MOUNT VERNON
State	NY
Zip	10553-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MAP DARWOOD
Legal Block	2098
Legal Lot Number	15.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	MOUNT VERNON
Census Block Group	3
Census Block	3000
Census Tract	4100

Owner

495 E Prospect Ave is owner-occupied and held in a trust since September 2018.

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

Owner of Record	2 Trust Names on File
Mailing Address	495 E PROSPECT AVE, MOUNT VERNON, NY 10553-1107
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 1995 · Amount on File
Deed Sale	Nov 17, 1995 · Amount on File
Deed Book / Page	11288 / 263
Last Transfer Date	Sep 28, 2018
Transfer Doc	0583383264
Record Updated	Oct 29, 2026

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTCHESTER NY
Recording Date	May 23, 2019
Property Address	495 E PROSPECT AVE, MOUNT VERNON, NY 10553-1107
Document Number	0583383264
Book / Page	058338 / 003264
Instrument Date	Sep 28, 2018
Transaction Type	Transfer
Record Updated	Jun 5, 2019
Title Company	JUDICIAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	495 E PROSPECT AVE MOUNT VERNON NY 105531107, MOUNT VERNON, NY 10553-1107

Tax Assessment & Valuation

The 2026 property tax bill for 495 E Prospect Ave was $15,468, down 5.6% from the year before.

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	$15,468.00 (-5.56%)
2025	$16,379.00	$9,000 (-) Land $5,000 Building $4,000	$500,000 (+6.67%) Land $277,778 Building $222,222
2024	Homeowner's exemption	$9,000 (-) Land $5,000 Building $4,000	$468,750 (-10.94%) Land $260,417 Building $208,333
2023		$9,000 Land $5,000 Building $4,000	$526,316 Land $292,398 Building $233,918

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

FEMA maps place 495 E Prospect Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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.

Wildfire

Wildfire risk around 495 E Prospect Ave is low, with less than a 0.01% annual chance of wildfire.

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.

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 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