53 Cowles Ave, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 53 Cowles Ave, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,163 sqft · built 1925
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$2,265,000 (Jun 2025)
Tax Bill	$23,960 (2026)
Deeds & Mortgages	Jun 2025 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`551400 146-15-2-52`

Property Details

APN / Parcel Number

Primary APN	`551400 146-15-2-52`
Alternative APN	`140014601500020520000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,163 sqft Living Area
1st Floor Area	1,255 sqft
2nd Floor Area	908 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Traditional
Exterior Material	Stucco
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	53 COWLES AVE
City	RYE
State	NY
Zip	10580-3540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Subdivision	LOCUST FARMS SECTION #1
Legal Block	2
Legal Lot Number	52.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	5
Census Block	5012
Census Tract	7600

Owner

53 Cowles Ave is owned by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 FAN PIER BLVD, 1612, BOSTON, MA 02210-2514
Owner Type	Individual
Vesting	Husband and Wife

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	Jun 30, 2025 · Amount on File
Deed Sale	Jun 30, 2025 · Amount on File
Prior Sale	Dec 22, 2009 · Amount on File
Deed Document Number	20253476
Prior Transfer Date	Jan 22, 2014
Prior Transfer Doc	0540153365
Record Updated	Oct 29, 2026

June 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Jun 30, 2025
Property Address	53 COWLES AVE, RYE, NY 10580-3540
Document Number	0651573476
Map Reference	MAP 2353
Instrument Date	Jun 16, 2025
Instrument	651573476
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FUTURE TITLE AGCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,036.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	53 COWLES AVE, RYE, NY 10580-3540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 FAN PIER BLVD UNIT 1612, 1612, BOSTON, MA 02210-2514

Mortgage

Document Number	0651693537
Date	Jun 30, 2025
Instrument	651693537

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2035
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Max Rate	10.6%

Mortgage

Document Number	0651693535
Date	Jun 30, 2025
Instrument	651693535

Lender

Name	CITIBANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2035
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Max Rate	10.6%

Tax Assessment & Valuation

The 2026 property tax bill for 53 Cowles Ave was $23,960, down 28% from the year before.

Source: Westchester County and Rye City assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
Municipality	Rye City
Unified School District	Rye City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$23,960.00 (-28%)
2025	$33,278.00	$18,900 (-) Land $5,500 Building $13,400	$1,601,695 (+6.78%) Land $466,102 Building $1,135,593
2024		$18,900 (-) Land $5,500 Building $13,400	$1,500,000 (+2.38%) Land $436,508 Building $1,063,492
2023		$18,900 Land $5,500 Building $13,400	$1,465,117 Land $426,357 Building $1,038,760

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 53 Cowles Ave in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 56 policies
Nearby Flood Policies	56 in force
Nearby Flood Claims	143 (1979–2023)
Claims Outside the SFHA	39 of 143
Most Recent Claim	Sep 2023 · Severe Storm And Flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 20 claims Hurricane Irene, Aug 2011 · 16 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 23 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

Wildfire risk around 53 Cowles 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 96% of the US · lower than 95% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 413 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

May also be available: T-Mobile.

Nearby Properties on Cowles Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures