Westchester County and Rye City property record for 81 Wappanocca Ave, Rye, NY 10580
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,545 sqft · built 2014 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $3,175,000 (Sep 2026) |
| Tax Bill | $34,862 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Dec 2019 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 551400 139-19-2-10 |
| Primary APN | 551400 139-19-2-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,545 sqft Living Area |
| 1st Floor Area | 1,914 sqft |
| 2nd Floor Area | 1,631 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Lot Area | 10,890 sqft (0.25 acres) |
| Street Address | 81 WAPPANOCCA AVE |
|---|---|
| City | RYE |
| State | NY |
| Zip | 10580-2025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Block | 2 |
| Legal Lot Number | 10.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | RYE |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 7700 |
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 | 105 HARDSCRABBLE LAKE DR, CHAPPAQUA, NY 10514-3040 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 4, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK |
| Dec 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Dec 12, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Dec 12, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2026 · Amount on Record |
| Deed Sale | Sep 4, 2026 · Amount on Record |
| Prior Sale | Mar 19, 2013 · Amount on Record |
| Deed Document Number | 20263613 |
| Prior Transfer Date | Jun 18, 2010 |
| Prior Transfer Doc | 0501683112 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Sep 4, 2026 |
| Property Address | 81 WAPPANOCCA AVE, RYE, NY 10580-2025 |
| Document Number | 0000003613 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 20263613 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2026 |
| Title Company | CATAL TITLE, CATIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,282,700.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 HARDSCRABBLE LAKE DR, CHAPPAQUA, NY 10514-3040 |
| Document Number | 0000003296, |
|---|---|
| Date | Sep 4, 2026 |
| Instrument | 20263296 |
| Name | JPMORGAN CHASE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 81 WAPPANOCCA AVE, RYE, NY 10580-2025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CARNEGIE NATIONAL ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0593123407 |
|---|---|
| Date | Dec 12, 2019 |
| Instrument | 593123407 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2049 |
| 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 | 4.75% |
| Index | 1-Year LIBOR |
| Max Rate | 7.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 81 WAPPANOCCA AVE, RYE, NY 10580-2025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CARNEGIE NATIONAL ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0593123439 |
|---|---|
| Date | Dec 12, 2019 |
| Instrument | 593123439 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 11, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 81 WAPPANOCCA AVE, RYE, NY 10580-2025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CARNEGIE NATIONAL ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0593123430 |
|---|---|
| Date | Dec 12, 2019 |
| Instrument | 593123430 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| 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 | 4.75% |
| Index | 1-Year LIBOR |
| Max Rate | 7.75% |
Source: Westchester County and Rye City assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| Municipality | Rye City |
| Unified School District | Rye City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $34,862.00 (+8.95%) | ||
| 2025 | $31,998.00 | $27,500 (-) Land $5,300 Building $22,200 | $2,330,509 (+6.78%) Land $449,153 Building $1,881,356 |
| 2024 | $27,500 (-) Land $5,300 Building $22,200 | $2,182,540 (+2.38%) Land $420,635 Building $1,761,905 | |
| 2023 | $27,500 Land $5,300 Building $22,200 | $2,131,783 Land $410,853 Building $1,720,930 |
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.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 98 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 100 units insured incl. 2 condo units |
| Nearby Flood Claims | 559 (1978–2023) |
| Claims Outside the SFHA | 44 of 559 |
| Most Recent Claim | Sep 2023 · Severe Storm And Flooding |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 203 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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