Westchester County and Harrison Town property record for 12 Saddletree Ln, Harrison, NY 10528
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,795 sqft · built 1985 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $875,000 (May 2021) |
| Tax Bill | $21,284 (2026) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Jul 2019 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 552801 0302.-146 |
| Primary APN | 552801 0302.-146 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,795 sqft Living Area |
| 1st Floor Area | 1,565 sqft |
| 2nd Floor Area | 1,230 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Lot Area | 29,185 sqft (0.67 acres) |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 155 sqft |
| Patio Area | 29 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 000020960 |
|---|---|
| Street Address | 12 SADDLETREE LN |
| City | HARRISON |
| State | NY |
| Zip | 10528-2514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1/2 |
| Legal Lot Number | 146 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | HARRISON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 8401 |
12 Saddletree Ln is owned by two individuals who bought it in May 2021.
Source: Westchester County and Harrison Town records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 35 CRESCENT DR, MORRISTOWN, NJ 07960-6937 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 7, 2021 | Bargain and Sale Deed, Transfer · Conventional Mortgage FM HOME LOANS LLC |
| Jul 11, 2019 | Trustee's Deed, Foreclosure INTRACOASTAL ABSTRACT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2021 · Amount on File |
| Deed Sale | May 7, 2021 · Amount on File |
| Prior Sale | Jul 11, 2019 · Amount on File |
| Deed Document Number | 20213690 |
| Prior Transfer Date | Jan 9, 2019 |
| Prior Transfer Doc | 0590083013 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | May 7, 2021 |
| Property Address | 12 SADDLETREE LN, HARRISON, NY 10528-2514 |
| Document Number | 0610633690 |
| Map Reference | MAP 21545 |
| Instrument Date | Apr 1, 2021 |
| Instrument | 610633690 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2021 |
| Title Company | CLOSING USA LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 425 PHILLIPS BLVD, 425, TRENTON, NJ 08618-1430 |
| Name | Verified Name |
|---|---|
| Address | 35 CRESCENT DR, MORRISTOWN, NJ 07960 |
| Document Number | 0611273117 |
|---|---|
| Date | May 7, 2021 |
| Instrument | 611273117 |
| Name | FM HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | BROOKLYN, NY 11210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Jul 11, 2019 |
| Property Address | 12 SADDLETREE LN, HARRISON, NY 10528-2514 |
| Document Number | 0590083013 |
| Book / Page | 059008 / 003013 |
| Instrument Date | Jan 9, 2019 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 24, 2019 |
| Title Company | INTRACOASTAL ABSTRACT |
| Amount | Amount on Record |
|---|---|
| Tax | $4,714.39 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 80 W CENTURY RD PARAMUS NJ 076521437, PARAMUS, NJ 07652-1437 |
The 2026 property tax bill for 12 Saddletree Ln was $21,284, down 23% from the year before.
Source: Westchester County and Harrison Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| County Subdivision | Harrison Town |
| Municipality | Harrison Village |
| Unified School District | Harrison Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $21,284.00 (-22.98%) | ||
| 2025 | $27,633.00 | $13,500 (+8%) Land $1,650 Building $11,850 | $1,163,793 (+5.21%) Land $142,241 Building $1,021,552 |
| 2024 | $12,500 (-) Land $1,650 Building $10,850 | $1,106,195 (+3.54%) Land $146,018 Building $960,177 | |
| 2023 | $12,500 Land $1,650 Building $10,850 | $1,068,376 Land $141,026 Building $927,350 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 12 Saddletree Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 48 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 154 (1978–2023) |
| Claims Outside the SFHA | 30 of 154 |
| Most Recent Claim | Sep 2023 · Severe Storm And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 12 Saddletree Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WESTCHESTER JOINT WATER WORKS serves 59,629 people · EPA ID NY5903435 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 3 ppb (2026–2028) action level 15 ppb |
| Water Quality | Failure to filter currently in violation since Jun 1993 Haloacetic acids resolved · Jul 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 222 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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