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162 Kirby Lane, Rye, NY, 10580

4beds
3baths
2,543sqft
$3,995,000
$1,571price/sqft
$27,811/moest. monthly cost
$1,112,440/yrincome needed

About This Home

With beautiful views of Kirby Lane Pond, this exceptional residence offers a rare blend of privacy, natural beauty, and refined coastal living. Set on over an acre of private, expansive grounds, the classic clapboard Colonial features four bedrooms and a collection of light-filled, thoughtfully designed spaces—ideal for both comfortable everyday living and gracious entertaining throughout the seasons. The sun-drenched, open-concept living and dining areas are dramatic in scale and capture water views year-round, while the cupola and oversized windows bathe the interiors in natural light. Wake each morning to serene vistas stretching across the pond, creating a tranquil backdrop for daily life. Ideally positioned just moments from Rye’s premier beach clubs and shoreline amenities, this coveted location offers effortless access to the area’s celebrated coastal lifestyle, as well as convenient proximity to downtown shops, dining, and schools. With the potential to expand to over 7,000 square feet or thoughtfully reimagine the existing home to suit your vision, the possibilities are truly extraordinary. The sweeping grounds invite endless opportunity and await their next steward. 162 Kirby Lane is more than a home—it is a rare opportunity to create your ultimate coastal retreat in one of Rye’s most sought-after settings.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

8/10
Osborn SchoolGrades K-51.8 mi
8/10
Rye Middle SchoolGrades 6-81.0 mi
10/10
Rye High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: Actual
  • Year built: 1924

Materials

  • Construction materials: Clapboard

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Dryer,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • First Floor Bedroom,First Floor Full Bath,Built-in Features,Cathedral Ceiling(s),Ceiling Fan(s),Eat-in Kitchen,Primary Bathroom,Master Downstairs,Storage
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Attic: None

Heating & Cooling

  • Heating features: Baseboard,Hot Water,Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,543
  • Total interior livable area: 2,543 sqft

Other

  • Level: First

Other

  • Level: Second

Other

  • Level: Lower

Property

Details

  • Parcel number: 1400146012000020000017
  • Special condition: None

Features

  • Levels: Two
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 1.10 Acres
  • Features: Front Yard,Stone/Brick Wall,Views

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Inland Flooding
Lightning
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Westchester County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $20,200$242,400
Home Insurance *$1,066$12,792
Property Taxes $6,125$73,500
Electricity $420$5,043
Total$27,811$333,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$953,520/yr
40% on housing$834,330/yr
45% on housing$741,626/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 5.8%
5.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,571This listing

vs Other Active Listings

Avg $/sqft

ZIP 10580$756
Westchester County$418

vs Homes Sold Last Month

Median $/sqft

ZIP 10580$831
Westchester County$422

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-02-26Listed for sale$3,995,000
2025-11-11Listing removed$4,195,000
2025-10-09Listed for sale$4,195,000

For Sale by Agent

AgentPatti Neave
BrokerageCompass Greater NY, LLC

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