637 North St, Rye, NY 10580 Property Records

Westchester County and Harrison Town property record for 637 North St, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,285 sqft · built 1882
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$1,779,704 (Oct 2023)
Tax Bill	$35,294 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`552801 0583.-9`

Property Details

APN / Parcel Number

Primary APN	`552801 0583.-9`
Alternative APNs	`5528000005830000009` `000037230`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,285 sqft Living Area
1st Floor Area	2,482 sqft
2nd Floor Area	1,803 sqft
Upper Floors Area	478 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1882
Architectural Style	Colonial
Exterior Material	Composition/Composite
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	69 sqft
Patio Area	247 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	000037230
Street Address	637 NORTH ST
City	RYE
State	NY
Zip	10580-1968
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Lot Number	9
Jurisdiction	WESTCHESTER NY
Township / Civil Division	HARRISON
Census Block Group	2
Census Block	2007
Census Tract	8500

Owner

637 North St is owned and occupied by an individual who bought it in October 2023.

Source: Westchester County and Harrison Town records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	637 NORTH ST, RYE, NY 10580-1968
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2023 · Amount on File
Deed Sale	Oct 25, 2023 · Amount on File
Prior Sale	Oct 24, 2016 · Amount on File
Deed Document Number	20233262
Prior Transfer Date	Oct 19, 2023
Prior Transfer Doc	0000003262
Record Updated	Oct 29, 2026

October 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Oct 25, 2023
Property Address	637 NORTH ST, RYE, NY 10580-1968
Document Number	0632903262
Instrument Date	Oct 19, 2023
Instrument	632903262
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	FUTURE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,766.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	637 NORTH ST, RYE, NY 10580-1968

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E 81ST ST # 4E, 4E, NEW YORK, NY 10028-4046

Mortgage

Document Number	0632933322
Date	Oct 25, 2023
Instrument	632933322

Lender

Name	DAVID F THOMAS 1989 FAMILY TRUST
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	23 Months
Due	Sep 15, 2025

Tax Assessment & Valuation

The 2026 property tax bill for 637 North St was $35,294, up 39.4% from the year before.

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	$35,294.00 (+39.36%)
2025	$25,326.00	$21,000 (-) Land $6,000 Building $15,000	$1,810,344 (-2.59%) Land $517,241 Building $1,293,103
2024		$21,000 (-4.55%) Land $6,000 Building $15,000	$1,858,407 (-1.17%) Land $530,973 Building $1,327,434
2023		$22,000 (-) Land $6,000 Building $16,000	$1,880,342 (+10.26%) Land $512,821 Building $1,367,521
2022		$22,000 Land $6,000 Building $16,000	$1,705,426 Land $465,116 Building $1,240,310
2020	$37,278.00

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 637 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	Hurricane Sandy, Oct 2012 · 2 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 637 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 96% of the US · lower than 95% 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	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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20