Westchester County and Harrison Town property record for 545 North St, Rye, NY 10580
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,768 sqft · built 1892 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $510,000 (Aug 2021) |
| Tax Bill | $34,958 (2026) |
| Deeds & Mortgages | May 2020 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 552801 0584.-21 |
| Primary APN | 552801 0584.-21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,768 sqft Living Area |
| 1st Floor Area | 1,963 sqft |
| 2nd Floor Area | 1,805 sqft |
| Basement Area | 260 sqft |
| Finished Basement | 260 sqft |
| Unfinished Basement | 260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1892 |
|---|---|
| Effective Year Built | Effective 1892 |
| Architectural Style | Colonial |
| Exterior Material | Composition/Composite |
| Lot Area | 37,897 sqft (0.87 acres) |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 133 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 000037380 |
|---|---|
| Street Address | 545 NORTH ST |
| City | RYE |
| State | NY |
| Zip | 10580-1967 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Lot Number | 21 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | HARRISON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 8500 |
545 North St is owned and occupied by two individuals who bought it in August 2021.
Source: Westchester County and Harrison Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 545 NORTH ST, RYE, NY 10580-1967 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| May 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2021 · Amount on File |
| Deed Sale | Aug 11, 2021 · Amount on File |
| Deed Document Number | 20213196 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 545 NORTH ST, RYE, NY 10580-1967 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FUTURE TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0601213293 |
|---|---|
| Date | May 6, 2020 |
| Instrument | 601213293 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.95% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 12, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 7.95% |
| Index | 1-Year LIBOR |
| Max Rate | 7.95% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 545 NORTH ST, RYE, NY 10580-1967 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FUTURE TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0601213298 |
|---|---|
| Date | May 6, 2020 |
| Instrument | 601213298 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.95% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 12, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 7.95% |
| Index | 1-Year LIBOR |
| Max Rate | 7.95% |
The 2026 property tax bill for 545 North St was $34,958, down 49.7% from the year before.
Source: Westchester County and Harrison Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| County Subdivision | Harrison Town |
| Municipality | Harrison Village |
| Unified School District | Harrison Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $34,958.00 (-49.68%) | ||
| 2025 | $69,467.00 | $20,800 (-) Land $4,500 Building $16,300 | $1,793,103 (-2.59%) Land $387,931 Building $1,405,172 |
| 2024 | $20,800 (-) Land $4,500 Building $16,300 | $1,840,708 (+3.54%) Land $398,230 Building $1,442,478 | |
| 2023 | $20,800 Land $4,500 Building $16,300 | $1,777,777 Land $384,615 Building $1,393,162 |
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.
FEMA maps place 545 North St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.
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 File 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 |
|
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 risk around 545 North St 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 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 114 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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