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Single Family ResidenceResidential
$504,864
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $460,000 on Dec 11, 2024

245 N TERRACE AVE

MOUNT VERNON, NY 10550
0
Baths
2,614 ft²
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$505K
$473K low$537K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$460,000 · Dec 11, 2024
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$90,864
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$72,691
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.82%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$414,000
JPMORGAN CHASE BANK NA · recorded Dec 11, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,449 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$6,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$5,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$6,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$366,667

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
49
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWESTCHESTER
Lot (acres)The size of the land the home sits on, from county records.0.06
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Nelson Mandela/Hosea Zollicoffer Elementary SchoolB-
Elementary · Grades KG–6 · 0.3 mi
M
Mount Vernon STEAM AcademyB
Middle · Grades 7–8 · 1.1 mi
H
Mount Vernon High SchoolC-
High · Grades 9–12 · 1.6 mi

District: Mount Vernon School District

Neighborhood · ZIP 10550These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.145
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.120
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.116

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.39,891
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.20,605 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,782
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,711
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.49 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

245 N Terrace Ave measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 88% of homes in Westchester County
  • Has a smaller lot than 88% of homes in Westchester County

What homes are worth in Mount Vernon 10550

Each bar is how many homes fall in that price range. The marker is this home.

This home
$333K$889K

This home is worth more than 37% of homes in Mount Vernon 10550.

How it measures up in Mount Vernon 10550

The dot is this home. The mark in the middle is the typical home in Mount Vernon 10550.

Estimated value$504,864
CheaperTypical $533,213Pricier

Pricier than 37% of homes nearby

Lot size2,614 ft²
SmallerTypical 0.1 acBigger

Bigger than 21% of homes nearby

How 245 N Terrace Ave ranks against every home in each area.
MeasureThis homeWest Mount VernonMount Vernon 10550Westchester County
Estimated valuepricier than$504,86452% of homes37% of homes12% of homes
Lot sizebigger than2,614 ft²20% of homes21% of homes12% of homes

About 245 N Terrace Ave

How much is 245 N Terrace Ave, Mount Vernon, NY worth?

The TopHap Estimate for 245 N Terrace Ave, Mount Vernon, NY is $504,864 as of Jul 14, 2026. The likely range is $473,170 to $536,558. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 245 N Terrace Ave, Mount Vernon, NY last sell?

245 N Terrace Ave, Mount Vernon, NY last sold on Dec 11, 2024 for $460,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

What schools serve 245 N Terrace Ave, Mount Vernon, NY?

245 N Terrace Ave, Mount Vernon, NY is assigned to Nelson Mandela/Hosea Zollicoffer Elementary School (elementary), rated B-; Mount Vernon STEAM Academy (middle), rated B; Mount Vernon High School (high), rated C-. All sit in Mount Vernon School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 245 N Terrace Ave, Mount Vernon, NY compare to other homes in Mount Vernon 10550?

Among the 4,153 homes in Mount Vernon 10550, it is worth more than 37% of them ($504,864 against a typical $533,213) and its lot is bigger than 21% of them (2,614 ft² against a typical 0.1 ac). Measured against all of Westchester County, it is worth more than 12% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 245 N Terrace Ave, Mount Vernon, NY?

The 2025 property tax bill for 245 N Terrace Ave, Mount Vernon, NY was $12,449. The county assessed it at $6,600.

More homes on N Terrace Ave

Closest homes

More homes in Mount Vernon 10550

Assigned schools

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