85 Drake Smith Ln, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 85 Drake Smith Ln, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,379 sqft · built 1954
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,999,000 (Nov 2015)
Tax Bill	$96,345 (2025)
Deeds & Mortgages	Apr 2020 Loan Modification Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`551400 146-12-2-3`

Property Details

APN / Parcel Number

Primary APN	`551400 146-12-2-3`
Alternative APN	`140014601200020030000000`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,379 sqft Living Area
1st Floor Area	4,379 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	34,412 sqft (0.79 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	85 DRAKE SMITH LN
City	RYE
State	NY
Zip	10580-4323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	3.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	1
Census Block	1001
Census Tract	7600

Owner

Source: Westchester County and Rye City records, as of May 14, 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	85 DRAKE SMITH LN, RYE, NY 10580-4323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2020	Loan Modification, Mortgage WELLS FARGO BK
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Aug 29, 2019	Loan Modification, Mortgage WELLS FARGO BK
Aug 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2015 · Amount on Record
Deed Sale	Nov 9, 2015 · Amount on Record
Prior Sale	May 12, 2000 · Amount on Record
Deed Document Number	2015552873144
Prior Transfer Date	Jan 25, 2006
Prior Transfer Doc	0461300586
Record Updated	Jun 8, 2026

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WESTCHESTER NY
Property Address	85 DRAKE SMITH LN, RYE, NY 10580-4323
Document Number	0601363186
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	GLOBALSERVE TITLE AGENCY CORPORATION, GLOBALSERVE TITLE AGCY CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 DRAKE SMITH LN RYE NY 105804323, RYE, NY 10580-4323

Mortgage

Document Number	0601363186
Date	May 15, 2020
Book Page	060136/003186

Lender

Name	WELLS FARGO BK
Type	Bank
Address	2701 WELLS FARGO WAY, MINNEAPOLIS, MN 55467-8000

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 14, 2050

Interest

Rate Type	Fixed Rate
Rate	2.62%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	85 DRAKE SMITH LN, RYE, NY 10580-4323
Document Number	0601363173
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	GLOBALSERVE TITLE AGENCY CORPORATION, GLOBALSERVE TITLE AGCY CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 DRAKE SMITH LN RYE NY 105804323, RYE, NY 10580-4323

Mortgage

Document Number	0601363173
Date	May 15, 2020
Book Page	060136/003173

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2050

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WESTCHESTER NY
Property Address	85 DRAKE SMITH LN, RYE, NY 10580-4323
Document Number	0592523021
Instrument Date	Aug 29, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	CATIC TITLE INSURANCE COMPANY, CATIC TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 DRAKE SMITH LN RYE NY 105804323, RYE, NY 10580-4323

Mortgage

Document Number	0592523021
Date	Sep 12, 2019
Book Page	059252/003021

Lender

Name	WELLS FARGO BK
Type	Bank
Address	2701 WELLS FARGO WAY, MINNEAPOLIS, MN 55467-8000

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2049

Interest

Rate Type	Fixed Rate
Rate	3.25%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	85 DRAKE SMITH LN, RYE, NY 10580-4323
Document Number	0592523015
Instrument Date	Aug 29, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	CATIC TITLE INSURANCE COMPANY, CATIC TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 DRAKE SMITH LN RYE NY 105804323, RYE, NY 10580-4323

Mortgage

Document Number	0592523015
Date	Sep 12, 2019
Book Page	059252/003015

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2049

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
2025	$96,345.00	$48,700 (-) Land $11,250 Building $37,450	$4,127,119 (+6.78%) Land $953,390 Building $3,173,729
2024		$48,700 (-) Land $11,250 Building $37,450	$3,865,079 (+2.38%) Land $892,857 Building $2,972,222
2023		$48,700 Land $11,250 Building $37,450	$3,775,194 Land $872,093 Building $2,903,101

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 62 policies
Nearby Flood Policies	62 in force
Nearby Flood Claims	88 (1978–2023)
Claims Outside the SFHA	44 of 88
Most Recent Claim	Sep 2023 · Severe Storm And Flooding
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 8 claims Hurricane Sandy, Oct 2012 · 19 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 17 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 94% of the US · lower than 93% 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.

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 75 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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