9 Charlotte St, Rye, NY 10580 Property Records

Westchester County and Rye City property record for 9 Charlotte St, Rye, NY 10580

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,265 sqft · built 1932
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$1,272,500 (Apr 2018)
Tax Bill	$24,720 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`551400 146-18-4-27`

Property Details

APN / Parcel Number

Primary APN	`551400 146-18-4-27`
Alternative APN	`140014601800040270000000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,265 sqft Living Area
1st Floor Area	2,081 sqft
2nd Floor Area	1,184 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	9 CHARLOTTE ST
City	RYE
State	NY
Zip	10580-2703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Subdivision	REVISED MAP OF FORD GARDENS
Legal Block	4
Legal Lot Number	27.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	RYE
Census Block Group	4
Census Block	4002
Census Tract	7600

Owner

9 Charlotte St is owned and occupied by two individuals who acquired it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	9 CHARLOTTE ST, RYE, NY 10580-2703
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
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Dec 17, 2021	Intrafamily Transfer, Transfer SERVICELINK
Apr 23, 2018	Bargain and Sale Deed, Transfer · Conventional Mortgage VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2018 · Amount on File
Deed Sale	Apr 23, 2018 · Amount on File
Prior Sale	Dec 14, 2004 · Amount on File
Deed Document Number	2018581033404
Last Transfer Date	Mar 26, 2020
Transfer Doc	0000003457
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	9 CHARLOTTE ST, RYE, NY 10580-2703
Transaction Type	Mortgage
Record Updated	Sep 26, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 CHARLOTTE ST, RYE, NY 10580-2703

Mortgage

Document Number	0601753818
Date	Dec 17, 2021
Instrument	601753818

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	340 Months
Due	Apr 1, 2050

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WESTCHESTER NY
Recording Date	Dec 17, 2021
Property Address	9 CHARLOTTE ST, RYE, NY 10580-2703
Document Number	0600863457
Map Reference	MAP 2655
Instrument Date	Mar 26, 2020
Instrument	600863457
Transaction Type	Transfer
Record Updated	Dec 18, 2023
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 CHARLOTTE ST, RYE, NY 10580-2703

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9 CHARLOTTE ST, RYE, NY 10580-2703

April 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Apr 23, 2018
Property Address	9 CHARLOTTE ST, RYE, NY 10580-2703
Document Number	0581033404
Map Reference	MAP2655
Instrument Date	Apr 19, 2018
Instrument	581033404
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	MT NATIONAL LAND SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,090.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 CHARLOTTE ST, 9, RYE, NY 10580-2703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 PURCHASE ST # B, B, RYE, NY 10580-2108

Mortgage

Document Number	0581133299
Date	Apr 23, 2018
Instrument	581133299

Lender

Name	VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 9 Charlotte St was $24,720, up 132.2% from the year before.

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	$24,720.00 (+132.2%)
2025	$10,646.00	$19,500 (-) Land $5,200 Building $14,300	$1,652,542 (+6.78%) Land $440,678 Building $1,211,864
2024		$19,500 (-) Land $5,200 Building $14,300	$1,547,619 (+2.38%) Land $412,698 Building $1,134,921
2023		$19,500 (-) Land $5,200 Building $14,300	$1,511,628 (+13.95%) Land $403,101 Building $1,108,527
2022		$19,500 Land $5,200 Building $14,300	$1,326,531 Land $353,742 Building $972,789

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 9 Charlotte St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 47 policies
Nearby Flood Policies	47 in force
Nearby Flood Claims	159 (1978–2023)
Claims Outside the SFHA	56 of 159
Most Recent Claim	Sep 2023 · Severe Storm And Flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 24 claims Hurricane Irene, Sep 2011 · 21 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 23 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 9 Charlotte 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 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 413 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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