549 Purchase St, Rye, NY 10580 Property Records

Westchester County and Harrison Town property record for 549 Purchase St, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 4,892 sqft · built 1950
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$840,000 (Sep 2018)
Tax Bill	$38,584 (2026)
Deeds & Mortgages	Nov 2019 Loan Modification Oct 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`552801 0545.-18`

Property Details

APN / Parcel Number

Primary APN	`552801 0545.-18`
Alternative APNs	`280000054500000180000000` `000035000`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Stories	1 Story
Building Area	4,892 sqft Living Area
1st Floor Area	2,181 sqft
2nd Floor Area	2,711 sqft
Upper Floors Area	341 sqft
Basement Area	1,100 sqft
Finished Basement	1,100 sqft
Unfinished Basement	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Colonial
Exterior Material	Stone
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	11 sqft
Patio Area	26 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	000035000
Street Address	549 PURCHASE ST
City	RYE
State	NY
Zip	10580-1814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Lot Number	18
Jurisdiction	WESTCHESTER NY
Township / Civil Division	HARRISON
Census Block Group	3
Census Block	3033
Census Tract	8500

Owner

Source: Westchester County and Harrison Town records, as of October 21, 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	549 PURCHASE ST, RYE, NY 10580-1814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2019	Loan Modification, Construction Loan · Construction Mortgage ROSA FNDG LLC
Oct 8, 2019	Trustee's Deed, Construction Loan · Construction Mortgage ROSA FNDG LLC
Sep 12, 2018	Grant Deed, Construction Loan · Construction Mortgage PS FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2018 · Amount on Record
Deed Sale	Sep 12, 2018 · Amount on Record
Prior Sale	May 3, 2018 · Amount on Record
Deed Document Number	2018581633494
Prior Transfer Date	Feb 11, 1997
Prior Transfer Doc	1173000261
Record Updated	Oct 29, 2026

November 2019: Loan Modification, Construction Loan

Document Type	Loan Modification
Jurisdiction	WESTCHESTER NY
Recording Date	Nov 27, 2019
Property Address	549 PURCHASE ST, RYE, NY 10580-1814
Book / Page	059330 / 003076
Instrument Date	Apr 16, 2019
Transaction Type	Construction Loan
Record Updated	Dec 10, 2019
Title Company	CONCORD TITLE AGENCY NY LLC, CONCORD TITLE AGCY NY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3 KALEY WAY #302 MONROE NY 10950, 302, MONROE, NY 10950

Mortgage

Document Number	0593303076
Date	Nov 27, 2019
Book Page	059330/003076

Lender

Name	ROSA FNDG LLC
Address	209 2ND ST, LAKEWOOD, NJ 08701-3326

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 26, 2020

October 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Oct 8, 2019
Property Address	549 PURCHASE ST, RYE, NY 10580-1814
Book / Page	059189 / 003058
Instrument Date	Apr 16, 2019
Transaction Type	Construction Loan
Record Updated	Oct 18, 2019
Title Company	CONCORD TITLE AGENCY NY LLC, CONCORD TITLE AGCY NY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	549 PURCHASE ST RYE NY 105801814, RYE, NY 10580-1814

Mortgage

Document Number	0591893058
Date	Oct 8, 2019
Book Page	059189/003058

Lender

Name	ROSA FNDG LLC
Address	LAKEWOOD, NJ 08701

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 7, 2020

September 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Sep 12, 2018
Property Address	549 PURCHASE ST, RYE, NY 10580-1814
Document Number	0580163494
Book / Page	058016 / 003494
Instrument Date	Aug 10, 2018
Transaction Type	Construction Loan
Record Updated	Sep 26, 2018
Title Company	SUPERIOR DATA SERVICES INC, SUPERIOR DATA SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16 FILLMORE CT MONROE NY 109504050, MONROE, NY 10950-4050

Mortgage

Document Number	582483156
Date	Sep 12, 2018
Book Page	058248/003156

Lender

Name	PS FUNDING INC
Type	Bank
Address	EL SEGUNDO, CA 90245

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 11, 2019

Interest

Rate	4%

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
2026	$38,584.00 (+61.04%)
2025	$23,959.00	$23,000 (-) Land $2,500 Building $20,500	$1,982,758 (-2.59%) Land $215,517 Building $1,767,241
2024		$23,000 (-) Land $3,000 Building $20,000	$2,035,399 (+3.54%) Land $265,487 Building $1,769,912
2023		$23,000 Land $3,000 Building $20,000	$1,965,812 Land $256,410 Building $1,709,402

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 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	27 (1978–2021)
Claims Outside the SFHA	23 of 27
Most Recent Claim	Sep 2021 · other causes
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Irene, Aug 2011 · 3 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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