55 North St, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 55 North St, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,824 sqft · built 2004
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,100 (Dec 2003)
Tax Bill	$53,624 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Oct 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551400 146-10-2-59`

Property Details

APN / Parcel Number

Primary APN	`551400 146-10-2-59`
Alternative APN	`140014601000020590000000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,824 sqft Living Area
1st Floor Area	2,400 sqft
2nd Floor Area	2,424 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	55 NORTH ST
City	RYE
State	NY
Zip	10580-1574
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	2
Legal Lot Number	59.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	1
Census Block	1002
Census Tract	7500

Owner

Source: Westchester County and Rye City 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	55 NORTH ST, RYE, NY 10580-1574
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Oct 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIBANK NA
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2003 · Amount on Record
Deed Sale	Dec 22, 2003 · Amount on Record
Deed Document Number	2003433280740
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	55 NORTH ST, RYE, NY 10580-1574
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL GRANITE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0570263522
Date	Jan 27, 2017
Instrument	570263522

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Max Rate	8.12%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	55 NORTH ST, RYE, NY 10580-1574
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL GRANITE TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0593023075
Date	Oct 30, 2019
Instrument	593023075

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	55 NORTH ST, RYE, NY 10580-1574
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL GRANITE TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0593023073
Date	Oct 30, 2019
Instrument	593023073

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

Tax Assessment & Valuation

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	$53,624.00 (+148.44%)
2025	$21,584.00	$42,300 (-) Land $6,000 Building $36,300	$3,584,746 (+6.78%) Land $508,475 Building $3,076,271
2024		$42,300 (-) Land $6,000 Building $36,300	$3,357,142 (+2.38%) Land $476,190 Building $2,880,952
2023		$42,300 Land $6,000 Building $36,300	$3,279,069 Land $465,116 Building $2,813,953

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 45 policies
Nearby Flood Policies	45 in force
Nearby Flood Claims	72 (1978–2024)
Claims Outside the SFHA	35 of 72
Most Recent Claim	Aug 2024 · rainfall accumulation
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 19 claims Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 7 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 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.

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 198 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.

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