98 Mitchell Rd, Somers, NY 10589 Property Records

Westchester County and Somers Town property record for 98 Mitchell Rd, Somers, NY 10589

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,150 sqft · built 1983
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Jul 1998)
Tax Bill	$13,283 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`555200 6.15-1-45`

Property Details

APN / Parcel Number

Primary APN	`555200 6.15-1-45`
Alternative APNs	`520000601500010450000000` `1950000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,150 sqft Living Area
1st Floor Area	1,442 sqft
Basement Area	708 sqft
Finished Basement	708 sqft
Unfinished Basement	708 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Raised Ranch
Exterior Material	Wood
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Well

Location & Zoning

Account Number	1950000
Street Address	98 MITCHELL RD
City	SOMERS
State	NY
Zip	10589-1801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Block	1
Legal Lot Number	45.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	SOMERS
Census Block Group	1
Census Block	1018
Census Tract	14909

Owner

Source: Westchester County and Somers Town 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	98 MITCHELL RD, SOMERS, NY 10589-1801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Line of Credit PALISADES FEDERAL CREDIT UNION
Feb 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 4, 2016	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 1998 · Amount on Record
Deed Sale	Jul 16, 1998 · Amount on Record
Deed Book / Page	12049 / 268
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Recording Date	Jun 2, 2026
Property Address	98 MITCHELL RD, SOMERS, NY 10589-1801
Document Number	0000003455
Instrument Date	May 21, 2026
Instrument	20263455
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 MITCHELL RD, SOMERS, NY 10589-1801

Mortgage

Document Number	0000003455,
Date	Jun 2, 2026
Instrument	20263455

Lender

Name	PALISADES FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	98 MITCHELL RD, SOMERS, NY 10589-1801
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TITLEVEST AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0563453019
Date	Feb 15, 2017
Instrument	563453019

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Nov 1, 2046

October 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WESTCHESTER NY
Property Address	98 MITCHELL RD, SOMERS, NY 10589-1801
Document Number	0563453020
Instrument Date	Oct 4, 2016
Transaction Type	Mortgage
Record Updated	Mar 14, 2019
Title Company	TITLEVEST AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 MITCHELL RD SOMERS NY 105891801, SOMERS, NY 10589-1801

Mortgage

Document Number	0563453020
Date	Feb 15, 2017
Book Page	056345/003020

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

Source: Westchester County and Somers Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	Somers Town
Unified School District	Somers Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,283.00 (-5.67%) Homeowner's exemption
2025	$14,081.00	$60,000 (-) Land $8,700 Building $51,300	$677,966 (+10.51%) Land $98,305 Building $579,661
2024	Homeowner's exemption	$60,000 (-) Land $8,700 Building $51,300	$613,497 (-0.72%) Land $88,957 Building $524,540
2023		$60,000 Land $8,700 Building $51,300	$617,919 Land $89,598 Building $528,321

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1980–2010)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35

May also be available: Xfinity.

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