643 Locust St, Mount Vernon, NY 10552 Property Records

Westchester County and Mount Vernon City property record for 643 Locust St, Mount Vernon, NY 10552

Property Summary

Property Type	Duplex
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$672,500 (Aug 2017)
Tax Bill	$24,062 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`550800 165.29-1027-43`

Property Details

APN / Parcel Number

Primary APN	`550800 165.29-1027-43`
Alternative APNs	`080016502910270430000000` `003920`

Exterior

Architectural Style	Duplex Single
Lot Area	5,227 sqft (0.12 acres)

Location & Zoning

Account Number	003920
Street Address	643 LOCUST ST
City	MOUNT VERNON
State	NY
Zip	10552-2601
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Subdivision	MAP OF NORTH WEST MOUNT VERNON
Legal Block	1027
Legal Lot Number	43.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	MOUNT VERNON
Census Block Group	3
Census Block	3007
Census Tract	3800

Owner

643 Locust St, a duplex, is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	643 LOCUST ST, MOUNT VERNON, NY 10552-2601
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

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage POPULAR BANK
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance POPULAR BANK
Aug 22, 2017	Bargain and Sale Deed, Transfer FIRST NATIONWIDE TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2017 · Amount on File
Deed Sale	Aug 22, 2017 · Amount on File
Prior Sale	Aug 19, 2013 · Amount on File
Deed Document Number	2017572193139
Prior Transfer Date	Jul 20, 2010
Prior Transfer Doc	0502023062
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	643 LOCUST ST, MOUNT VERNON, NY 10552-2601
Transaction Type	Mortgage
Record Updated	Mar 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0603384192
Date	Jan 25, 2021
Instrument	603384192

Lender

Name	POPULAR BANK
Type	Bank
Address	NEW YORK, NY 10004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	441 Months
Due	Oct 1, 2057

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	643 LOCUST ST, MOUNT VERNON, NY 10552-2601
Transaction Type	Mortgage
Record Updated	Mar 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0603384194
Date	Jan 25, 2021
Instrument	603384194

Lender

Name	POPULAR BANK
Type	Bank
Address	NEW YORK, NY 10004

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	357 Months
Due	Oct 1, 2050

Interest

Rate	3.5%

August 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Aug 22, 2017
Property Address	643 LOCUST ST, MOUNT VERNON, NY 10552-2601
Document Number	0572193139
Instrument Date	Aug 8, 2017
Instrument	572193139
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	FIRST NATIONWIDE TITLE

Transaction

Amount	Amount on Record
Tax	$2,690.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	199 MAIN ST STE 500, 199, WHITE PLAINS, NY 10601-3288

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 LOCUST ST, MOUNT VERNON, NY 10552-2601

Tax Assessment & Valuation

The 2026 property tax bill for 643 Locust St was $24,062, up 56.3% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
Municipality	Mount Vernon City
Unified School District	Mount Vernon School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$24,062.00 (+56.28%)
2025	$15,397.00	$14,000 (-) Land $3,000 Building $11,000	$777,778 (+6.67%) Land $166,667 Building $611,111
2024		$14,000 (-) Land $3,000 Building $11,000	$729,167 (-10.94%) Land $156,250 Building $572,917
2023		$14,000 Land $3,000 Building $11,000	$818,714 Land $175,439 Building $643,275

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 643 Locust St in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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

The area around 643 Locust St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	MOUNT VERNON WATER DEPARTMENT serves 73,893 people · EPA ID NY5903441
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	7 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Optimum, T-Mobile.

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