647 Milton Rd, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 647 Milton Rd, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 5,144 sqft · built 1855
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,700,000 (Nov 2017)
Tax Bill	$54,178 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2018 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`551400 153-11-1-50-1`

Property Details

APN / Parcel Number

Primary APN	`551400 153-11-1-50-1`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	5,144 sqft Living Area
1st Floor Area	2,761 sqft
2nd Floor Area	1,776 sqft
Upper Floors Area	607 sqft
Attic	Attic
Attic Area	552 sqft

Exterior

Year Built	Built 1855
Effective Year Built	Effective 1855
Architectural Style	Traditional
Lot Area	19,166 sqft (0.44 acres)

Location & Zoning

Street Address	647 MILTON RD
City	RYE
State	NY
Zip	10580-3239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Block	1
Legal Lot Number	50.001
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	2
Census Block	2009
Census Tract	7600

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	647 MILTON RD, RYE, NY 10580-3239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Dec 12, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Nov 14, 2017	Intrafamily Transfer, Transfer · ARM UBS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2017 · Amount on Record
Deed Sale	Nov 14, 2017 · Amount on Record
Prior Sale	Dec 13, 1994 · Amount on Record
Deed Document Number	2017572963415
Prior Transfer Date	Oct 27, 2017
Prior Transfer Doc	0572963415
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	647 MILTON RD, RYE, NY 10580-3239
Transaction Type	Mortgage
Record Updated	Jul 2, 2021
Title Company	CATIC TITLE INSURANCE COMPANY, CATIC TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0611733001
Date	Jun 22, 2021
Instrument	611733001

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Adjustable	Adjustable Rate Rider

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	647 MILTON RD, RYE, NY 10580-3239
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0583453579
Date	Dec 12, 2018
Instrument	583453579

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WESTCHESTER NY
Recording Date	Nov 14, 2017
Property Address	647 MILTON RD, RYE, NY 10580-3239
Document Number	0572963415
Instrument Date	Oct 27, 2017
Instrument	572963415
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	FUTURE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,800.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	113 PATTERSON AVE, 113, GREENWICH, CT 06830-4634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 MILTON RD, RYE, NY 10580-3239

Mortgage

Document Number	0573023012
Date	Nov 14, 2017
Instrument	573023012

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

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	$54,178.00 (+30.42%)
2025	$41,540.00	$42,100 (-) Land $7,700 Building $34,400	$3,567,796 (+6.78%) Land $652,542 Building $2,915,254
2024		$42,100 (-) Land $7,700 Building $34,400	$3,341,270 (+2.38%) Land $611,111 Building $2,730,159
2023		$42,100 Land $7,700 Building $34,400	$3,263,566 Land $596,899 Building $2,666,667

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 134 policies
Nearby Flood Policies	134 in force
Nearby Flood Claims	356 (1978–2024)
Claims Outside the SFHA	94 of 356
Most Recent Claim	Aug 2024 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 59 claims Severe Storms, Flooding, Heavy Rains, High Winds, Oct 1996 · 41 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 51 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 98% of the US · lower than 97.9% 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 222 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

Cell Coverage

5G (outdoors only) and 4G LTE

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