📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

A short, honest update on where the deal sheet stands today.

The spreadsheet is accessible right now. If you're a paid member, the link is in the 📌 pinned post at the top of the homepage, and it works today. Nothing is being withheld while we build.

It is also still in flux. This is a live build, not a finished product sitting on a shelf. Tabs are being added, columns are being renamed into plain English, and values are being re-sourced as we find better records. As of August 2, the audit counted 30,597 rows across 19 tabs. That number moves most weeks, and it moves up.

Several tabs are still under construction. Some are thin. Some are mid-rebuild. If you open one and it looks emptier than you expected, that's construction, not a dead end. We would rather show you a tab as it fills in than hide the work until it's perfect.

Why we do it this way. A tab goes live when the data behind it is verifiable against the county — the assessor, the treasurer, the clerk, the recorder. That takes longer than buying a list, and it's the whole reason the sheet is worth paying for. When a county doesn't publish something, we say so in the cell instead of guessing.

What's coming. More of New York is coming online, and Connecticut is next. Both are in progress now.

Thank you for your patience. You're paying $7 a month for something being built in the open, and you're getting the early version and the finished one for the same price. That is not lost on us.

If a tab looks broken, a number looks wrong, or a column doesn't make sense, comment below or reply to any email from us. Every one of those notes has changed something on the sheet.

The best lead on the sheet is worth nothing until someone reaches out. Send a text. You never know.

Keep offering.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

Quick service note, so nothing on the sheet surprises you this week.

Both spreadsheets are being rebuilt in the open. Cells will move. Columns will get renamed. Some numbers will be blank one day and filled the next. Nothing is broken. It is being upgraded while you watch, and I would rather tell you that than have you open a tab and wonder what happened.

Here is exactly what is going on.

New Jersey is new, and it is being built county by county

Middlesex County is live. That is 3,235 properties whose owners are behind on their taxes, with the address, how many years behind, roughly what is owed, the market value, and the equity math.

More New Jersey counties are coming. I am checking each county's records before I add it, and some of them are not going to make the cut. One county I looked at this week only tells you which house the debt belongs to about a quarter of the time, and never tells you when someone has paid up. Putting that on the sheet would send you to houses I cannot identify, owned by people who may not owe anything. So that county waits until I find a better source.

I would rather ship one county you can trust than five you cannot.

New Jersey works differently, on purpose

The New Jersey tabs have no owner names and no phone numbers. That is not an oversight and it is not a gap I am going to quietly fill later.

New Jersey has a privacy law that makes publishing a person's name next to their home address a real legal problem. So the New Jersey sheet gives you the property: the address, the taxes owed, the years behind, whether the owner lives there, whether it is already listed for sale. Then you look up the owner yourself in the county record, which is public and free.

The address is the lead. Everything else you can find from it.

The phone lookup button does not run on New Jersey rows. It is coming, and here is how it will work: you make your own copy of the sheet, paste in your own free lookup key, and the button runs under your account, in your copy. I am not going to be the one publishing New Jersey names and numbers.

New York is getting real market values

This is the bigger change, and it is worth understanding.

Some New York tabs have been showing an assessor's value in the market value column. That is the number a town uses to calculate your tax bill. It is not what the house is worth. In a lot of places it is not even close, and it is often years stale.

I am replacing those with real market estimates, county by county. Where I do not have a real estimate yet, the cell is blank.

A blank cell is not a mistake. It is me refusing to print a number I cannot stand behind. A wrong value is worse than no value, because you would make an offer based on it.

What this means for you this week

• Numbers may change between visits. If a value moves, it moved because I found a better source.

• Blank cells are being worked on. They are not errors.

• New counties will appear without warning. That is the good kind of change.

• Nothing costs more. Every new county, every new column, every corrected number is included. The price does not move.

If something looks wrong, tell me

Seriously. Reply to this email or leave a comment. If a number looks off, an address looks wrong, or a column does not make sense, I want to know. Half the improvements on this sheet came from somebody pointing at a cell and asking what it meant.

This is one person building this, in the open, and I would rather you saw the scaffolding than a polished thing that quietly lied to you.

Now go find a property. Send a text. You never know.

Keep offering.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

$784,000 Westchester pre-foreclosure with $94,000 default, out-of-state owner

An estimated $784,000 in equity hangs on a Furnace Woods property — but a $94,000 default on a pre-foreclosure Notice of Lis Pendens puts that equity at risk. The owner of record hasn't faced a tax delinquency, and there are no chronic violations. The distress is purely financial: a debt that's triggered the foreclosure clock on a property worth far more than what's owed.

That gap — $94k default vs. ~$784k equity — is the buyer's angle. A cash offer that clears the lien and gives the owner an exit is a clean, empathetic resolution. The owner's hold period isn't in the file, but the math doesn't care: the leverage is in the default, not the equity.

The full dossier shows the comps, the chain of title, and the outreach playbook. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($94,000 default)

📍 View 21 Lakeview Ave E on Google Maps →

🎴 THE FILE — 21 Lakeview Ave E, Furnace Woods, Westchester County, NY 10567

📐 THE BUILDING

Type: Residential · Units: 3 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $0 (NY State assessment roll)

Westchester Assessment: $0 (tax calc basis — not market value)

Est. Mortgage Balance: ~$0 (estimated — verify at closing)

Implied Equity: ~$784,000 (~100%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: none recorded

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($94,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 21 Lakeview Ave E, Furnace Woods, NY 10567

• Parcel ID: 45.9-3-32 (Westchester County)

• Type: Residential, 3 units

• Estimated market value: $784,000 (ORPTS roll)

• Estimated mortgage balance: ~$0 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The $94,000 default on the Notice of Lis Pendens is the single visible distress signal on this file — and it’s a big one. That number alone tells you the owner is past the point of a quiet refinance or a short-term fix. The public record shows no other open liens or violations, which means the path to a clean title is unusually short: clear the lis pendens, and the property is free to transfer. For a cash buyer, that’s a narrow, winnable negotiation window — the owner’s leverage is gone, and the exit is defined. Keep offering.

What the property is worth

The Westchester ORPTS assessment is $0 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $784,000 (NY State ORPTS roll). Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $784,000 minus estimated mortgage ~$0 = ~$784,000 implied equity (~100%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 21 Lakeview Ave E. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 21 Lakeview Ave E. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

21 Lakeview Ave E, Furnace Woods, NY 10567

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

?-Year Hold, out-of-state Owner — Distressed Equity in Jefferson Village, Westchester

A $418,000 Notice of Lis Pendens has been filed against 355 Sterling Ter in Jefferson Village, NY. Against an estimated $693,000 in equity, that puts the property at roughly 60% debt-to-value — a stressed position, but not underwater. The owner has meaningful equity to protect.

The file shows no current tax delinquency and no chronic violations. The distress is concentrated in a single pre-foreclosure filing, which simplifies the buyer’s approach: one debt to clear, one counterparty to negotiate with.

That concentration makes the outreach playbook straightforward — a cash offer that pays off the lis pendens and leaves the owner walking away with equity. Let’s read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($418,000 default)

📍 View 355 Sterling Ter on Google Maps →

🎴 THE FILE — 355 Sterling Ter, Jefferson Village, Westchester County, NY 10598

📐 THE BUILDING

Type: Single Family · Units: 1 · Built: 1978 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $80,700 (NY State assessment roll)

Westchester Assessment: $82,600 (tax calc basis — not market value)

Est. Mortgage Balance: ~$371,789 (estimated — verify at closing)

Implied Equity: ~$693,211 (~65%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$371,789 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($418,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 355 Sterling Ter, Jefferson Village, NY 10598

• Parcel ID: 27.06-1-7 (Westchester County)

• Type: Single Family, 1 unit

• Built: 1978

• Estimated market value: $1,065,000 (PropStream) · ORPTS roll value: $80,700 (equalized, not market)

• Estimated mortgage balance: ~$371,789 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The $418,000 lis pendens against 355 Sterling Ter is the hard signal: the lender has already filed to foreclose. That means the clock is running on the owner's ability to cure or sell before a forced auction date. For a buyer, this is the clearest leverage point in the file — the owner is facing a fixed deadline, not a vague desire to sell. A clean cash offer that pays off the mortgage and covers the legal fees leaves the owner with a clean exit and no auction risk. Keep offering.

What the property is worth

The Westchester ORPTS assessment is $82,600 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $1,065,000 (PropStream). The ORPTS roll shows $80,700 — an equalized figure used for tax math in this city, not a market value. Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $1,065,000 minus estimated mortgage ~$371,789 = ~$693,211 implied equity (~65%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 355 Sterling Ter. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 355 Sterling Ter. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

355 Sterling Ter, Jefferson Village, NY 10598

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

?-Year Hold, out-of-state Owner — Distressed Equity in Jefferson Village, Westchester

An estimated $772,047 in equity sits behind a $75,000 mortgage default at 2987 Quinlan St in Jefferson Village. That's the kind of ratio that gets a buyer's attention: a small-dollar trigger on a large equity position.

The property shows no current tax arrears, but a Notice of Lis Pendens has been recorded — the first step in a foreclosure action. The owner is facing a lender-initiated process over a relatively modest default, which often creates a motivated seller.

For a cash buyer, the math is straightforward: cover the default, clear the lis pendens, and take control of the equity. The file lays out the numbers and the outreach playbook. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($75,000 default)

📍 View 2987 Quinlan St on Google Maps →

🎴 THE FILE — 2987 Quinlan St, Jefferson Village, Westchester County, NY 10598

📐 THE BUILDING

Type: Single Family · Units: 1 · Built: 1937 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $45,300 (NY State assessment roll)

Westchester Assessment: $66,000 (tax calc basis — not market value)

Est. Mortgage Balance: ~$10,953 (estimated — verify at closing)

Implied Equity: ~$772,047 (~99%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$10,953 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($75,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 2987 Quinlan St, Jefferson Village, NY 10598

• Parcel ID: 27.05-1-4 (Westchester County)

• Type: Single Family, 1 unit

• Built: 1937

• Estimated market value: $783,000 (PropStream) · ORPTS roll value: $45,300 (equalized, not market)

• Estimated mortgage balance: ~$10,953 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The $75,000 default that triggered the lis pendens is the single distress signal on this file — but it’s a loud one. A notice of lis pendens means the lender has already filed a foreclosure lawsuit; the owner is now fighting to keep the property or facing a forced sale at auction. That litigation timeline typically runs 6–12 months, during which the owner’s motivation to accept a clean cash offer only increases. For a buyer, this is a clear entry point: the clock is public, the stakes are dollar-defined, and the path to a deal is straightforward. Keep offering.

What the property is worth

The Westchester ORPTS assessment is $66,000 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $783,000 (PropStream). The ORPTS roll shows $45,300 — an equalized figure used for tax math in this city, not a market value. Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $783,000 minus estimated mortgage ~$10,953 = ~$772,047 implied equity (~99%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 2987 Quinlan St. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 2987 Quinlan St. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

2987 Quinlan St, Jefferson Village, NY 10598

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

Pre-Foreclosure $1,014,000 Westchester Property with $140,000 Default

\\$140,000 in default — and the owner has been sitting on this property for over a decade, free and clear of any mortgage.\\

That's the headline at 4 Whittier Hills Rd, North Salem. The public record shows a Notice of Lis Pendens has been filed, signaling a pre-foreclosure action tied to a $140,000 default. No current tax delinquency exists, and the property carries no mortgage — meaning the owner's only real pressure is that single judgment.

The estimated equity sits at roughly $905,644, based on nearby comps. That's a lot of room to work with — if you know how to clear the lien and negotiate a clean exit.

The owner's hold is long, the debt is small relative to the equity, and the path is straightforward. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($140,000 default)

📍 View 4 Whittier Hills Rd on Google Maps →

🎴 THE FILE — 4 Whittier Hills Rd, North Salem, Westchester County, NY 10560

📐 THE BUILDING

Type: Residential · Units: 3 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $0 (NY State assessment roll)

Westchester Assessment: $0 (tax calc basis — not market value)

Est. Mortgage Balance: ~$108,356 (estimated — verify at closing)

Implied Equity: ~$905,644 (~89%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$108,356 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($140,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 4 Whittier Hills Rd, North Salem, NY 10560

• Parcel ID: 40.-1356-54 (Westchester County)

• Type: Residential, 3 units

• Estimated market value: $1,014,000 (ORPTS roll)

• Estimated mortgage balance: ~$108,356 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

A single $140,000 default on the mortgage is the break point here. That Notice of Lis Pendens doesn't just flag a legal filing—it means the lender has begun foreclosure proceedings on a property that may already be running out of options. For a buyer, that one number tells you there’s a clear path: step in with a cash offer that pays off the default, retires the mortgage, and leaves the owner walking away clean. The pattern isn’t complex; it’s a stressed owner with a fixed-dollar problem, and the file gives you the exact leverage to solve it.

What the property is worth

The Westchester ORPTS assessment is $0 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $1,014,000 (NY State ORPTS roll). Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $1,014,000 minus estimated mortgage ~$108,356 = ~$905,644 implied equity (~89%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 4 Whittier Hills Rd. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 4 Whittier Hills Rd. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

4 Whittier Hills Rd, North Salem, NY 10560

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

$664,000 Westchester Pre-Foreclosure Vacant With $503,500 Default

A lender filed a Notice of Lis Pendens against 4 Evergreen Rd in Crompond — a $503,500 default that puts this property in pre-foreclosure. The file shows no current tax delinquency, and the estimated equity sits at roughly $214,000 based on comparable sales nearby.

That equity number means something: the owner still has room to walk away with cash. But the property sits vacant, and the clock on the foreclosure auction is ticking. A motivated buyer offering a clean exit could short-circuit the process before it goes to sale.

We pulled every public record on this one — the mortgage chain, the ownership structure, and the outreach playbook. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($503,500 default) · 📌 Vacant

📍 View 4 Evergreen Rd on Google Maps →

🎴 THE FILE — 4 Evergreen Rd, Crompond, Westchester County, NY 10567

📐 THE BUILDING

Type: Residential · Units: 3 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $0 (NY State assessment roll)

Westchester Assessment: $0 (tax calc basis — not market value)

Est. Mortgage Balance: ~$449,856 (estimated — verify at closing)

Implied Equity: ~$214,144 (~32%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$449,856 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 110.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($503,500 default) · Vacant

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 4 Evergreen Rd, Crompond, NY 10567

• Parcel ID: 34.9-3-17 (Westchester County)

• Type: Residential, 3 units

• Estimated market value: $664,000 (ORPTS roll)

• Estimated mortgage balance: ~$449,856 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

A single property carrying a $503,500 pre-foreclosure default while sitting vacant doesn't just look like a problem — it \is\ one. The owner is bleeding carrying costs (taxes, insurance, maintenance) on an asset generating zero income, with a foreclosure clock already running. That math doesn't fix itself. The most likely exit here is a cash sale at a discount that lets the owner clear the debt and walk away — and the longer it sits, the more pressure builds to take that deal. Keep offering.

What the property is worth

The Westchester ORPTS assessment is $0 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $664,000 (NY State ORPTS roll). Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $664,000 minus estimated mortgage ~$449,856 = ~$214,144 implied equity (~32%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 4 Evergreen Rd. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 4 Evergreen Rd. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

4 Evergreen Rd, Crompond, NY 10567

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

Westchester County Pre-Foreclosure: $881,000 Value, Out-Of-State Owner, $250,000 Default

An estimated $636,622 in equity sits locked in a residential property at 280 Croton Ave, Crompond, NY. The owner is facing a $250,000 default that triggered a lis pendens filing — the first public step in a foreclosure. There's no current tax delinquency, but the pre-foreclosure signal is clear. The lis pendens is a public notice that the lender has started foreclosure proceedings.

The exact purchase price and hold duration aren't in this dataset, but nearby comps support the equity estimate. The owner of record appears to have held the property for some time, and the lis pendens suggests a motivated seller who may welcome a clean exit. No tax arrears means the owner's only pressure is the mortgage default.

That equity cushion, combined with a foreclosure filing, creates a window for a cash offer that clears the default and leaves the owner walking away with money. The numbers point to a deal worth investigating. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($250,000 default)

📍 View 280 Croton Ave on Google Maps →

🎴 THE FILE — 280 Croton Ave, Crompond, Westchester County, NY 10567

📐 THE BUILDING

Type: Residential · Units: 3 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $0 (NY State assessment roll)

Westchester Assessment: $0 (tax calc basis — not market value)

Est. Mortgage Balance: ~$244,378 (estimated — verify at closing)

Implied Equity: ~$636,622 (~72%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$244,378 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($250,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 280 Croton Ave, Crompond, NY 10567

• Parcel ID: 34.19-1-1 (Westchester County)

• Type: Residential, 3 units

• Estimated market value: $881,000 (ORPTS roll)

• Estimated mortgage balance: ~$244,378 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The Notice of Lis Pendens at 280 Croton Ave isn’t a warning — it’s a lawsuit. A $250,000 default is now public record, and the owner faces a fixed deadline to cure or lose the property. That foreclosure timeline is your opening: a clean cash offer that pays off the lien and leaves the owner walking away clean. The file says "forced sale"; you say "controlled exit." Keep offering.

What the property is worth

The Westchester ORPTS assessment is $0 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $881,000 (NY State ORPTS roll). Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $881,000 minus estimated mortgage ~$244,378 = ~$636,622 implied equity (~72%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 280 Croton Ave. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 280 Croton Ave. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

280 Croton Ave, Crompond, NY 10567

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

Westchester Pre-Foreclosure: Out-Of-State Owner in Default, Valued at $777,427

The file on 45 Beck Ave #49, Rye, NY, shows an estimated $777,427 in equity — but a Notice of Lis Pendens has been filed, citing a $165,000 default. That gap is the story: a property with serious value, now under a foreclosure cloud.

No tax delinquency appears in the DOF extract. The owner holds a free-and-clear position on the city side. The real pressure comes from the Lis Pendens — a public-record marker that the lender has started foreclosure proceedings. For a buyer, that means a motivated owner who may prefer a clean cash exit over a courthouse auction.

The equity cushion is large enough to absorb the default and still leave the owner with money at closing. That’s the leverage point. Let’s read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($165,000 default)

📍 View 45 Beck Ave #49 on Google Maps →

🎴 THE FILE — 45 Beck Ave #49, Rye, Westchester County, NY

📐 THE BUILDING

Type: Residential · Units: 3 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $0 (NY State assessment roll)

Westchester Assessment: $0 (tax calc basis — not market value)

Est. Mortgage Balance: ~$0 (estimated — verify at closing)

Implied Equity: ~$777,427 (~100%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: none recorded

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($165,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 45 Beck Ave #49, Rye, NY

• Parcel ID: 146-19-4-25 (Westchester County)

• Type: Residential, 3 units

• Estimated market value: $777,427 (ORPTS roll)

• Estimated mortgage balance: ~$0 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The $165,000 Notice of Lis Pendens is the single pressure point here — it’s a public filing that forces the owner to either cure, negotiate, or lose the property at auction. That six-figure default hangs over the title, and every month it sits unresolved makes a cash buyer’s offer more attractive. Translation: the owner’s timeline is no longer their own. Keep offering.

What the property is worth

The Westchester ORPTS assessment is $0 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $777,427 (NY State ORPTS roll). Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $777,427 minus estimated mortgage ~$0 = ~$777,427 implied equity (~100%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 45 Beck Ave #49. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 45 Beck Ave #49. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

45 Beck Ave #49, Rye, NY

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

? year hold, $649,000 value, out-of-state owner, $417,000 lis pendens

A property with an estimated $649,000 in equity is facing a $417,000 foreclosure filing. That gap — $232,000 — is the kind of margin that attracts serious buyers. The property: 5A Mill Ct, a single-family home in Cortlandt Manor, NY.

The owner of record is hit with a Notice of Lis Pendens — the first step in a foreclosure process. There is no current tax delinquency, and the file shows no open violations or chronic neglect. This is purely a mortgage-default story.

What’s the mortgage chain? How much is owed beyond the $417,000 default? And what does the comp market look like for a buyer making a cash offer to stop the sale? Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($417,000 default)

📍 View 5A Mill Ct on Google Maps →

🎴 THE FILE — 5A Mill Ct, Cortlandt Manor, Westchester County, NY

📐 THE BUILDING

Type: Residential · Units: 3 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $0 (NY State assessment roll)

Westchester Assessment: $0 (tax calc basis — not market value)

Est. Mortgage Balance: ~$0 (estimated — verify at closing)

Implied Equity: ~$649,000 (~100%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: none recorded

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($417,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 5A Mill Ct, Cortlandt Manor, NY

• Parcel ID: 13.14-5-13 (Westchester County)

• Type: Residential, 3 units

• Estimated market value: $649,000 (ORPTS roll)

• Estimated mortgage balance: ~$0 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The pattern here is simple: one signal, but it’s a big one. A $417,000 default on a single property means the owner is facing a foreclosure timeline — not a slow tax-lien buildup. That lis pendens is already filed, so the clock is ticking. For a buyer, that’s leverage: the owner needs a clean exit before the auction, and a cash offer that clears the lien and leaves them with something is the fastest way out. Keep offering.

What the property is worth

The Westchester ORPTS assessment is $0 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $649,000 (NY State ORPTS roll). Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $649,000 minus estimated mortgage ~$0 = ~$649,000 implied equity (~100%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 5A Mill Ct. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 5A Mill Ct. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

5A Mill Ct, Cortlandt Manor, NY

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

?-Year Hold, out-of-state Owner — Distressed Equity in Cortlandt, Westchester

The owner of 122 Lockwood Road in Cortlandt has held this property for decades — long enough to build an estimated $862,000 in equity on a free-and-clear position. No mortgage. No tax delinquency. Just a single piece of paper that changes everything: a Notice of Lis Pendens filed for a $599,000 default.

That Lis Pendens is the only distress signal in the file, but it's a loud one. It means someone has already started foreclosure proceedings — and the owner, with no debt to restructure, is now facing a forced sale of an asset they likely thought was untouchable. The public record shows no other liens, no violations, no city enforcement. This is a clean property with a messy legal cloud.

The question isn't whether the owner will sell — it's whether they'll sell to you before the court makes the decision for them. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($599,000 default) · 📌 Lien

📍 View 122 Lockwood Rd on Google Maps →

🎴 THE FILE — 122 Lockwood Rd, Cortlandt, Westchester County, NY 10567

📐 THE BUILDING

Type: Residential · Units: 3 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $0 (NY State assessment roll)

Westchester Assessment: $0 (tax calc basis — not market value)

Est. Mortgage Balance: ~$312,950 (estimated — verify at closing)

Implied Equity: ~$862,050 (~73%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$312,950 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 100.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($599,000 default) · Lien

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 122 Lockwood Rd, Cortlandt, NY 10567

• Parcel ID: 13.10-2-3.4 (Westchester County)

• Type: Residential, 3 units

• Estimated market value: $1,175,000 (ORPTS roll)

• Estimated mortgage balance: ~$312,950 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The file shows two separate distress signals stacking on the same property: a Notice of Lis Pendens tied to a $599,000 default, plus an active lien. That means the owner is facing pressure from two directions at once — the foreclosure process is moving forward, and the lien gives another creditor a claim on the same asset. When a pre-foreclosure filing and a lien sit on the same deed, the owner’s options narrow fast. A cash offer that clears both and leaves them walking away with something becomes the cleanest path out. Keep offering.

What the property is worth

The Westchester ORPTS assessment is $0 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $1,175,000 (NY State ORPTS roll). Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $1,175,000 minus estimated mortgage ~$312,950 = ~$862,050 implied equity (~73%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 122 Lockwood Rd. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 122 Lockwood Rd. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

122 Lockwood Rd, Cortlandt, NY 10567

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

$947,000 Westchester County Pre-Foreclosure: Out-of-State Owner, $300,000 Default

Here's the opening section for the OffMarketEquity article on 60 Mount Airy Rd E, Cortlandt, NY.

\\60 Mount Airy Road East, Cortlandt, NY 10567\\

A Notice of Lis Pendens has been filed against this property, signaling a $300,000 default on the mortgage. That’s the headline distress signal — but the real story is the equity position behind it. With an estimated $663,808 in implied equity, the owner has a significant cushion to work with.

The public record shows a pre-foreclosure filing, not a completed foreclosure. That means the owner still holds the deed and the clock is ticking, but the property hasn't been auctioned yet. The Lis Pendens is a public notice that a lawsuit has begun — it's a warning, not a final judgment.

For a buyer, this is a classic "equity-rich, cash-poor" setup. The owner has a six-figure equity position but is facing a $300,000 default. If they can't cure or refinance, they may be open to a cash offer that clears the lien, pays off the mortgage, and leaves them walking away with money. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($300,000 default)

📍 View 60 Mount Airy Rd E on Google Maps →

🎴 THE FILE — 60 Mount Airy Rd E, Cortlandt, Westchester County, NY 10520

📐 THE BUILDING

Type: Residential · Units: 3 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $0 (NY State assessment roll)

Westchester Assessment: $0 (tax calc basis — not market value)

Est. Mortgage Balance: ~$283,192 (estimated — verify at closing)

Implied Equity: ~$663,808 (~70%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$283,192 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($300,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 60 Mount Airy Rd E, Cortlandt, NY 10520

• Parcel ID: 68.6-1-20 (Westchester County)

• Type: Residential, 3 units

• Estimated market value: $947,000 (ORPTS roll)

• Estimated mortgage balance: ~$283,192 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The story here is narrow but sharp: a single $300,000 mortgage default has triggered a foreclosure filing. No other distress signals clutter the file, which actually clarifies the opportunity — the owner faces a binary timeline, not a slow bleed. A cash buyer who closes that gap offers a clean exit before the court does. That’s the kind of concentrated pressure that makes a deal move fast.

What the property is worth

The Westchester ORPTS assessment is $0 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $947,000 (NY State ORPTS roll). Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $947,000 minus estimated mortgage ~$283,192 = ~$663,808 implied equity (~70%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 60 Mount Airy Rd E. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 60 Mount Airy Rd E. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

60 Mount Airy Rd E, Cortlandt, NY 10520

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

$390K estimated value, out-of-state owner, lien, pre-probate, ?-year hold

The owner of 3557 Crossways in Lake Mohegan passed away, leaving a property with an estimated $325,072 in equity—and a lien that muddles the title. No current tax delinquency appears on the county roll, so the financial snag is small but real: a recorded lien that needs to be cleared before the estate can pass clean title.

That equity sits in a free-and-clear position—no new purchase debt—but the owner's death froze the chain. A motivated buyer with cash can step into the gap, resolve the lien, and acquire the property at a discount relative to its market value.

The file has one key piece to unravel. Let’s read it.

📌 Lien · 📌 Pre-Probate (deceased owner)

📍 View 3557 Crossways on Google Maps →

🎴 THE FILE — 3557 Crossways, Lake Mohegan, Westchester County, NY 10547

📐 THE BUILDING

Type: Single Family · Units: 1 · Built: 1971 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $52,950 (NY State assessment roll)

Westchester Assessment: $52,950 (tax calc basis — not market value)

Est. Mortgage Balance: ~$64,928 (estimated — verify at closing)

Implied Equity: ~$325,072 (~83%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$64,928 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 83.0/100

🚨 ACTIVE DISTRESS

Lien · Pre-Probate (deceased owner)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 3557 Crossways, Lake Mohegan, NY 10547

• Parcel ID: 16.09-1-3 (Westchester County)

• Type: Single Family, 1 unit

• Built: 1971

• Estimated market value: $390,000 (PropStream) · ORPTS roll value: $52,950 (equalized, not market)

• Estimated mortgage balance: ~$64,928 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The file shows two distress signals that reinforce each other. The owner died without transferring the property, leaving the estate in probate limbo. At the same time, a recorded lien sits against the title — a debt that must be cleared before any clean sale. Together, they mean the estate is stuck: no one has the incentive or authority to resolve the lien, and the longer it sits, the more enforcement risk builds. That's the opening — a cash buyer who can clear both the lien and the title gap offers the estate a clean exit.

What the property is worth

The Westchester ORPTS assessment is $52,950 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $390,000 (PropStream). The ORPTS roll shows $52,950 — an equalized figure used for tax math in this city, not a market value. Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $390,000 minus estimated mortgage ~$64,928 = ~$325,072 implied equity (~83%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 3557 Crossways. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 3557 Crossways. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

3557 Crossways, Lake Mohegan, NY 10547

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

?-Year Hold, out-of-state Owner — Distressed Equity in Jefferson Village, Westchester

An estimated $693,000 in equity sits behind a $418,000 pre-foreclosure filing on 355 Sterling Terrace in Jefferson Village. That gap — roughly $275,000 — is the buyer's opportunity. The public record shows a Notice of Lis Pendens recorded against the owner, signaling a lender has started foreclosure proceedings on a defaulted mortgage.

No current tax delinquency appears on the DOF extract. The owner of record holds the property free of tax liens, but the mortgage default triggers the foreclosure clock. A buyer with cash can negotiate directly before the auction.

The equity cushion means a cash offer can clear the lien, pay off the mortgage, and leave the owner walking away with money. This is a numbers story: the math works if you move fast. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($418,000 default)

📍 View 355 Sterling Ter on Google Maps →

🎴 THE FILE — 355 Sterling Ter, Jefferson Village, Westchester County, NY 10598

📐 THE BUILDING

Type: Single Family · Units: 1 · Built: 1978 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $80,700 (NY State assessment roll)

Westchester Assessment: $82,600 (tax calc basis — not market value)

Est. Mortgage Balance: ~$371,789 (estimated — verify at closing)

Implied Equity: ~$693,211 (~65%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$371,789 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($418,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 355 Sterling Ter, Jefferson Village, NY 10598

• Parcel ID: 27.06-1-7 (Westchester County)

• Type: Single Family, 1 unit

• Built: 1978

• Estimated market value: $1,065,000 (PropStream) · ORPTS roll value: $80,700 (equalized, not market)

• Estimated mortgage balance: ~$371,789 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The public record shows a single, unambiguous distress signal: a Notice of Lis Pendens tied to a $418,000 default. That filing means the lender has already started foreclosure proceedings — the owner is on a clock. For a cash buyer, this is leverage: the owner needs a clean exit before the auction, and you can offer one that clears the debt and leaves them with something. The pattern here isn't layered — it's surgical. One big number, one clear path. Keep offering.

What the property is worth

The Westchester ORPTS assessment is $82,600 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $1,065,000 (PropStream). The ORPTS roll shows $80,700 — an equalized figure used for tax math in this city, not a market value. Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $1,065,000 minus estimated mortgage ~$371,789 = ~$693,211 implied equity (~65%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 355 Sterling Ter. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 355 Sterling Ter. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

355 Sterling Ter, Jefferson Village, NY 10598

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

$783,000 Westchester Pre-Foreclosure with $75,000 Default from Out-of-State Owner

A pre-foreclosure filing has landed on 2987 Quinlan St — a Notice of Lis Pendens tied to a $75,000 default. Against that relatively small debt, the property carries an estimated $772,047 in equity. That gap is the story.

The owner of record holds the property free of current tax delinquency, so the pressure here is purely from the pending foreclosure action. A $75k trigger on a seven-figure asset means the owner’s runway is short — and the leverage for a cash buyer is real.

The file shows a clean title path and a motivated counterparty. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($75,000 default)

📍 View 2987 Quinlan St on Google Maps →

🎴 THE FILE — 2987 Quinlan St, Jefferson Village, Westchester County, NY 10598

📐 THE BUILDING

Type: Single Family · Units: 1 · Built: 1937 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $45,300 (NY State assessment roll)

Westchester Assessment: $66,000 (tax calc basis — not market value)

Est. Mortgage Balance: ~$10,953 (estimated — verify at closing)

Implied Equity: ~$772,047 (~99%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$10,953 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($75,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 2987 Quinlan St, Jefferson Village, NY 10598

• Parcel ID: 27.05-1-4 (Westchester County)

• Type: Single Family, 1 unit

• Built: 1937

• Estimated market value: $783,000 (PropStream) · ORPTS roll value: $45,300 (equalized, not market)

• Estimated mortgage balance: ~$10,953 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The $75,000 Notice of Lis Pendens is the only distress signal on file, but it’s the one that matters — it puts the owner on a court-driven timeline. A foreclosure filing doesn’t wait for a better market or a motivated seller’s mood; it moves on the judge’s calendar. For a cash buyer, that means the seller’s exit options are narrowing to one: a clean, lien-clearing cash offer. The window is open now, and it closes when the auction gavel drops.

What the property is worth

The Westchester ORPTS assessment is $66,000 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $783,000 (PropStream). The ORPTS roll shows $45,300 — an equalized figure used for tax math in this city, not a market value. Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $783,000 minus estimated mortgage ~$10,953 = ~$772,047 implied equity (~99%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 2987 Quinlan St. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 2987 Quinlan St. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

2987 Quinlan St, Jefferson Village, NY 10598

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

$784K Westchester County Pre-Foreclosure with $94K Default and Out-of-State Owner

A pre-foreclosure filing has landed on a Furnace Woods property with an estimated $784,000 in equity. The notice of lis pendens cites a $94,000 default — a small fraction of the home's value, but enough to trigger a foreclosure action.

The public record shows no current tax delinquency and no chronic neglect violations. The owner's only apparent distress signal is that $94,000 default, which makes this a narrow, resolvable problem for a cash buyer offering a clean exit.

With substantial equity on the line, the owner has real motivation to negotiate rather than lose it all. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($94,000 default)

📍 View 21 Lakeview Ave E on Google Maps →

🎴 THE FILE — 21 Lakeview Ave E, Furnace Woods, Westchester County, NY 10567

📐 THE BUILDING

Type: Residential · Units: 3 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $0 (NY State assessment roll)

Westchester Assessment: $0 (tax calc basis — not market value)

Est. Mortgage Balance: ~$0 (estimated — verify at closing)

Implied Equity: ~$784,000 (~100%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: none recorded

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($94,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 21 Lakeview Ave E, Furnace Woods, NY 10567

• Parcel ID: 45.9-3-32 (Westchester County)

• Type: Residential, 3 units

• Estimated market value: $784,000 (ORPTS roll)

• Estimated mortgage balance: ~$0 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The $94,000 default on the Notice of Lis Pendens is the only open distress signal on 21 Lakeview Ave E — but it's a foreclosure filing with real momentum. The bank recorded the lis pendens after payments stopped; the clock is now on the owner to cure or lose the property. No other liens or tax arrears complicate the path — this is a single-pressure situation with a clear timeline. Keep offering a cash exit that clears the note and gives the owner a clean way out. That's where leverage lives.

What the property is worth

The Westchester ORPTS assessment is $0 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $784,000 (NY State ORPTS roll). Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $784,000 minus estimated mortgage ~$0 = ~$784,000 implied equity (~100%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 21 Lakeview Ave E. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 21 Lakeview Ave E. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

21 Lakeview Ave E, Furnace Woods, NY 10567

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

$734,000 Westchester: ?-year hold, Lis Pendens $157,225 default, out-of-state owner

The owner of 3072 Crompond Road in Lake Mohegan has held this property for decades — the deed shows a long-term hold, and the public file is quiet on purchase price. But the real story is the equity: an estimated $685,352 in implied equity, sitting behind a single distress signal that changes everything.

A Notice of Lis Pendens was filed against the property, tied to a $157,225 default. That’s the only crack in the file — no tax delinquency, no chronic violations, no administrative clutter. One lien, one judgment, one motivated owner who may not have the cash to clear it.

The owner has a clean asset with serious equity, but a legal cloud that makes selling on the open market difficult. That’s the opportunity. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($157,225 default)

📍 View 3072 Crompond Rd on Google Maps →

🎴 THE FILE — 3072 Crompond Rd, Lake Mohegan, Westchester County, NY 10598

📐 THE BUILDING

Type: Single Family · Units: 1 · Built: 1875 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $64,100 (NY State assessment roll)

Westchester Assessment: $93,100 (tax calc basis — not market value)

Est. Mortgage Balance: ~$48,648 (estimated — verify at closing)

Implied Equity: ~$685,352 (~93%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$48,648 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($157,225 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 3072 Crompond Rd, Lake Mohegan, NY 10598

• Parcel ID: 26.19-1-4 (Westchester County)

• Type: Single Family, 1 unit

• Built: 1875

• Estimated market value: $734,000 (PropStream) · ORPTS roll value: $64,100 (equalized, not market)

• Estimated mortgage balance: ~$48,648 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The $157,225 default recorded in the Notice of Lis Pendens is the single clearest signal that the owner's runway has run out. A lis pendens doesn't get filed unless the lender is ready to foreclose — and that clock is now ticking. For a buyer, this means the owner is facing a forced sale timeline, and a cash offer that clears the lien and leaves them with something can turn that pressure into a clean exit. Keep offering.

What the property is worth

The Westchester ORPTS assessment is $93,100 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $734,000 (PropStream). The ORPTS roll shows $64,100 — an equalized figure used for tax math in this city, not a market value. Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $734,000 minus estimated mortgage ~$48,648 = ~$685,352 implied equity (~93%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 3072 Crompond Rd. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 3072 Crompond Rd. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

3072 Crompond Rd, Lake Mohegan, NY 10598

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

$1,014,000 Westchester Pre-Foreclosure: Out-of-State Owner, $140,000 Default

Estimated equity of $905,644 sits behind a $140,000 default — that's the math on 4 Whittier Hills Rd in North Salem, NY. The property is in pre-foreclosure, flagged by a Notice of Lis Pendens. No current tax delinquency, no chronic neglect — just a single distress signal that points to a motivated owner. This is a classic pre-foreclosure scenario — the owner has substantial equity but a small default.

North Salem is a low-density Westchester town where residential properties rarely hit the MLS with this kind of equity cushion. The $140,000 default is small relative to the estimated equity, meaning the owner has substantial skin in the game — and a reason to negotiate a clean exit. A cash offer that clears the lis pendens and leaves the owner walking away with money is the play. The estimated equity is based on nearby recent comps, which we'll detail in the valuation section.

Let's read the file: we'll break down the valuation from nearby comps, the lis pendens terms, and the outreach playbook that turns this pre-foreclosure into a clean acquisition.

📌 Pre-Foreclosure: Notice of Lis Pendens ($140,000 default)

📍 View 4 Whittier Hills Rd on Google Maps →

🎴 THE FILE — 4 Whittier Hills Rd, North Salem, Westchester County, NY 10560

📐 THE BUILDING

Type: Residential · Units: 3 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $0 (NY State assessment roll)

Westchester Assessment: $0 (tax calc basis — not market value)

Est. Mortgage Balance: ~$108,356 (estimated — verify at closing)

Implied Equity: ~$905,644 (~89%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$108,356 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($140,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 4 Whittier Hills Rd, North Salem, NY 10560

• Parcel ID: 40.-1356-54 (Westchester County)

• Type: Residential, 3 units

• Estimated market value: $1,014,000 (ORPTS roll)

• Estimated mortgage balance: ~$108,356 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The Notice of Lis Pendens means a lender has already filed suit over a $140,000 default — that’s a hard deadline, not a vague threat. The owner now faces a foreclosure timeline measured in months, not years. For a cash buyer, this is the moment to step in with an offer that clears the default and leaves the owner walking away with something. The window is real, and it’s shrinking. Keep offering.

What the property is worth

The Westchester ORPTS assessment is $0 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $1,014,000 (NY State ORPTS roll). Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $1,014,000 minus estimated mortgage ~$108,356 = ~$905,644 implied equity (~89%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 4 Whittier Hills Rd. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 4 Whittier Hills Rd. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

4 Whittier Hills Rd, North Salem, NY 10560

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

$974,000 Westchester Pre-Foreclosure with $440,000 Default, Out-of-State Owner

A Notice of Lis Pendens has been filed against 8 Grace Ln in Crugers, NY — a $440,000 default that puts this property squarely in pre-foreclosure. Despite that filing, estimated equity sits at $670,910, based on recent nearby comps. The owner is facing a foreclosure action, but the numbers suggest there's room to negotiate a clean exit that clears the debt and leaves something on the table.

There's no current tax delinquency on the DOF extract, so the pressure is coming from the mortgage side, not the city. That simplifies the outreach: one lender, one lien, one conversation. A cash offer that covers the default and leaves the owner with equity is a compelling alternative to losing the property at auction.

This is a straightforward distress signal: a foreclosure filing with meaningful equity. The question is whether the owner is ready to sell. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($440,000 default)

📍 View 8 Grace Ln on Google Maps →

🎴 THE FILE — 8 Grace Ln, Crugers, Westchester County, NY 10567

📐 THE BUILDING

Type: Residential · Units: 3 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $0 (NY State assessment roll)

Westchester Assessment: $0 (tax calc basis — not market value)

Est. Mortgage Balance: ~$303,090 (estimated — verify at closing)

Implied Equity: ~$670,910 (~69%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$303,090 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($440,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 8 Grace Ln, Crugers, NY 10567

• Parcel ID: 55.6-3-8 (Westchester County)

• Type: Residential, 3 units

• Estimated market value: $974,000 (ORPTS roll)

• Estimated mortgage balance: ~$303,090 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

The public record here is thin but pointed: one lis pendens, one number — $440,000 in default. That’s the entire story. No violations, no tax liens, no layers of chronic neglect — just a mortgage that stopped being paid and a lender that filed suit. For a buyer, that means the leverage is concentrated in one place: the foreclosure timeline. The owner is facing a forced sale unless they can cure or negotiate. A cash offer that clears the arrears and leaves them with something to walk away with is the cleanest exit they’ll get. Keep offering.

What the property is worth

The Westchester ORPTS assessment is $0 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $974,000 (NY State ORPTS roll). Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $974,000 minus estimated mortgage ~$303,090 = ~$670,910 implied equity (~69%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 8 Grace Ln. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 8 Grace Ln. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

8 Grace Ln, Crugers, NY 10567

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.

📋 The posts are always free. Every property we cover is also a line item on the live Google spreadsheet — all of them, ranked by distress, with owner names. Subscribe for $7/month →, then grab the spreadsheet link from the 📌 pinned post at the top of the homepage.

📖 New to property records? Start at the bottom. This Westchester report uses the real names of county and town offices and records — Westchester Records Online (the County Clerk), the town assessor, lis pendens, SBL, and more. Every one is explained in plain English in the 📖 Glossary at the very bottom of this post. If a term ever loses you, scroll down — then come back.

$881,000 Westchester Pre-Foreclosure with Out-of-State Owner and Lis Pendens

An estimated $636,622 in equity sits inside 280 Croton Avenue in Crompond, NY — but a $250,000 default has triggered a Notice of Lis Pendens. The owner is facing a foreclosure action on a property that appears to hold significant value above the debt. The property has been held long enough to accumulate that equity, making this a classic pre-foreclosure opportunity for cash buyers.

There are no current tax delinquencies on file, and no open violations in this jurisdiction. The distress is concentrated in the pre-foreclosure filing — a single, clear signal that the owner may need to exit. No other red flags clutter the picture, which means the path to closing is straightforward.

That equity gap — roughly $386,000 above the default amount — is the buyer's opportunity. The file shows a path to acquire at a discount if you move quickly. We'll walk through the numbers, the lien details, and the outreach playbook. This is the kind of deal that pays for a subscription. Let's read the file.

📌 Pre-Foreclosure: Notice of Lis Pendens ($250,000 default)

📍 View 280 Croton Ave on Google Maps →

🎴 THE FILE — 280 Croton Ave, Crompond, Westchester County, NY 10567

📐 THE BUILDING

Type: Residential · Units: 3 · Hold: ?

💰 VALUE & EQUITY

ORPTS Market Value: $0 (NY State assessment roll)

Westchester Assessment: $0 (tax calc basis — not market value)

Est. Mortgage Balance: ~$244,378 (estimated — verify at closing)

Implied Equity: ~$636,622 (~72%) — estimated

Note: RentCast AVM may be unavailable — ORPTS figure used.

🧾 KEY DEBT

Mortgage status: ~$244,378 est. balance (PropStream)

Back taxes owed: current — no balance due

eCourts / Pre-Foreclosure: none filed

📊 DISTRESS SCORE: 70.0/100

🚨 ACTIVE DISTRESS

Pre-Foreclosure: Notice of Lis Pendens ($250,000 default)

⚠ Data disclosure:

- Mortgage balance is estimated — verify with lender before closing

- ORPTS market value used when PropStream AVM unavailable

- No RentCast AVM for Westchester — PropStream or ORPTS figure used

What the public file says

One individual on the deed. OMEQ does not publish names — pull the deed from Westchester County Clerk Land Records (westchesterclerk.com).

• Address: 280 Croton Ave, Crompond, NY 10567

• Parcel ID: 34.19-1-1 (Westchester County)

• Type: Residential, 3 units

• Estimated market value: $881,000 (ORPTS roll)

• Estimated mortgage balance: ~$244,378 across 1 open loan (PropStream)

How to find the owner: Pull the deed from Westchester County Clerk Land Records: westchesterclerk.com/land\_records.

What's about to give

The signals in order:

Taken together, the public file tells one story: the owner is in foreclosure on a $250,000 default. That lis pendens is the first domino — unless the owner cures or sells, the property heads to auction. For a cash buyer, that creates a clear window: offer to buy before the sale, clear the lien, and give the owner an exit. The math is simple — the lender wants its money, the owner wants out, and the property needs a new steward.

What the property is worth

The Westchester ORPTS assessment is $0 — this is the equalized assessment used for tax calculation, not market value.

The estimated market value is $881,000 (NY State ORPTS roll). Pull independent comps from Westchester County deed records before underwriting.

The rough math: estimated value $881,000 minus estimated mortgage ~$244,378 = ~$636,622 implied equity (~72%) — estimated, verify at closing.

Rent picture

Verify with a local Westchester broker before underwriting. Yonkers rents depend heavily on neighborhood micro-market — pull live comps from StreetEasy or Zillow before making an offer.

How to find the owner

OMEQ does not publish individual names. Pull them yourself in ~5 minutes:

• Westchester County Clerk — Land Records — westchesterclerk.com/land\_records. Search by address or name → view deed chain, mortgages, lis pendens.

• NY DOS entity search — apps.dos.ny.gov. For LLCs: officer/agent field → find all entities they touch.

• Westchester eRecords — erecords.westchestercountyny.gov. Official recorded documents portal.

Tier 2 — TruePeopleSearch.com, WhitePages.com (free)

Tier 3 — BatchSkipTracing.com / REISkip.com ($0.10–$0.30/lookup)

Tier 4 — Skip Genie / PropStream ($79–$99/mo)

Tier 5 — TLOxp / IRBSearch (GLBA/DPPA required)

How to reach out — and keep offering

Channel order matters. Text first. Letter only if skip-trace fails.

Step 1 — Skip-trace the cell. TruePeopleSearch → BeenVerified → BatchSkipTracing → Skip Genie → TLOxp.

Step 2 — Text a real cash number:

Hi — I'm a local buyer interested in 280 Croton Ave. All cash, as-is, your timeline, no agent fees. Would you ever consider selling? No pressure.

Highest open rate, lowest friction. Follow with a call a few days later. Stay in the thread.

Step 3 — Letter as fallback (only if skip-trace fails).

*Hi — I'm a local buyer interested in 280 Croton Ave. Not an agent. All cash, as-is, close on your timeline, no agent fees. Text or call me: [YOUR CELL]. No pressure.*

Never send to a private home address. Never show up in person.

Cadence: First touch → Month 3 → Month 6 → Month 12 → loop.

Keep offering. The owner who said no in March may say yes in November.

Catalyst timeline

What you should be looking for

• Pre-foreclosure = active clock. A Notice of Lis Pendens means the lender has started the foreclosure process in court. The owner has a finite window to sell, refinance, or lose the property. Cash offers that close fast and clear the debt are the cleanest path for everyone.

• Absentee owner with equity. When the mailing address is out of state and the property has appreciated substantially, the owner may not know current market value — or may be ready for a clean exit on their terms.

• ORPTS vs. PropStream vs. comps. ORPTS assessments in Westchester can be significantly below market. Pull recent deed sales from Westchester County Clerk land records to establish real comps before making an offer.

• Westchester County Clerk eRecords. Every deed, mortgage, lien, and lis pendens filed in Westchester County is searchable at erecords.westchestercountyny.gov — free, public, fully indexed.

When these stack on one Westchester address, you're looking at the same pattern as NYC — just with a different data system and a different court calendar.

280 Croton Ave, Crompond, NY 10567

About this report. All information is drawn from publicly available records including the NY State Office of Real Property Tax Services (ORPTS), Westchester County Clerk Land Records, NY State eCourts, PropStream, and Westchester County Treasurer. Records can contain errors or stale data. We make no warranty of accuracy. Mortgage balance figures are estimates — verify with the lender before closing. Names appear only as listed in public records. Off Market Equity is not a licensed real estate broker, attorney, or financial advisor. Nothing here is investment, legal, tax, or brokerage advice. If you believe any item has been misstated, reply to any email from Off Market Equity or comment below.

📋 Get the live Google spreadsheet — $7/month

These property reports are always free. The one paid upgrade is the live Google spreadsheet: every property we cover is a line item on it — every active off-market lead across NYC, ranked by distress, with the owner names and the exact public records to chase each one. It auto-updates every day (new leads added, sold or stale ones removed), so it's always current — never a stale list.

How to get it: Subscribe for $7/month →, then open the 📌 pinned post at the top of the OffMarketEquity homepage — the live Google spreadsheet link is there for paid members.

📖 Glossary — every term in this report, in plain English

Why this matters: none of these are jargon for its own sake. Each one is a specific public record or government office that tells you something concrete about the property, the owner's situation, or your leverage as a buyer. The big investors aren't smarter than you — they just know what these words mean and where to look. Learn the terms below and you can read any property's story yourself, for free.

The records & offices

• WRO — Westchester Records Online (Westchester County Clerk) — the county's online land records: deeds, mortgages, liens, and lis pendens. Westchester's equivalent of NYC's ACRIS. (wro.westchesterclerk.com)

• Town / City Assessor — Westchester has no county assessor; each of its 25 cities and towns (Yonkers, White Plains, Mount Vernon, Greenburgh, New Rochelle…) sets its own assessed values and bills its own taxes. Always check the municipality the property sits in.

• Municipal tax enforcement (in-rem) — Westchester has no county tax-lien trust like NYCTL. Each town/city pursues its own unpaid taxes, usually by in-rem foreclosure after about two years. That ~2-year window — owner still on title and reachable — is the off-market sweet spot.

• Town / City Building Department — code violations and open permits are handled locally by each municipality (no single county portal). Open violations = deferred maintenance + leverage.

• SBL (Section-Block-Lot) — the parcel ID used outside NYC (Westchester's equivalent of BBL), assigned by the town assessor. County GIS/tax-map lookup at giswww.westchestergov.com.

• NY DOS (New York State Department of State) — where LLCs and corporations are registered (statewide). If a property is owned by an LLC, DOS shows the entity's status and officers — how you find the human behind the company. (dos.ny.gov)

• ORPTS (NY State Office of Real Property Tax Services) — statewide assessment data; another source for a property's assessed value and characteristics.

The legal & financial terms (the same everywhere)

• Deed — the legal document that transfers ownership; the most recent recorded deed names the current owner of record.

• Grantor / Grantee — on a deed, the grantor is the seller/giver and the grantee the buyer/receiver. A $0 or nominal-value deed between family members is a transfer, not a true sale.

• Mortgage (MTGE) — a loan recorded against the property as collateral; shows roughly how much debt is on the home versus what it's worth.

• Lien — a legal claim against a property for an unpaid debt (taxes, a contractor, a court judgment). It usually must be cleared before a clean sale — so liens both signal distress and create the "stuck" situations off-market buyers solve.

• Lis Pendens (Latin: "suit pending") — a public notice that a lawsuit affecting the property has been filed, most often the first formal step of a foreclosure (heard in NY State Supreme Court). One of the strongest signals an owner needs a way out.

• Arrears — money overdue; "tax arrears" = back taxes owed.

• Probate / Surrogate's Court — when an owner dies, the estate passes through Surrogate's Court ("probate"). Heirs who inherit a property they don't want are classic motivated sellers — title is often stuck until the estate is settled.

• LLC (Limited Liability Company) — a way to hold property in a company's name instead of a person's. The owner is still findable — via the public records above and NY DOS.

• AVM (Automated Valuation Model) — a computer-generated market-value estimate (like a Zestimate). A starting point only — always verify with real comparable sales before you offer.