178 Upper Shad Rd, Pound Ridge, NY 10576 Property Records

Westchester County and Pound Ridge Town property record for 178 Upper Shad Rd, Pound Ridge, NY 10576

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,885 sqft · built 1988
Lot Size	4.1 acres (178,596 sqft)
Owner	2 Individual Names on File
Last Sale	$850,000 (Oct 2020)
Tax Bill	$19,522 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Oct 2020 Sale + 1 more
Flood Zone	Zone A (high risk)
APN	`554600 9318-46.3-9`

Property Details

APN / Parcel Number

Primary APN	`554600 9318-46.3-9`
Alternative APNs	`460000931800000460030009` `05`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,885 sqft Living Area
1st Floor Area	1,796 sqft
2nd Floor Area	1,089 sqft
Basement Area	236 sqft
Finished Basement	236 sqft
Unfinished Basement	236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	178,596 sqft (4.1 acres)
Garage Type	Basement
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	1,835 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	05
Street Address	178 UPPER SHAD RD
City	POUND RIDGE
State	NY
Zip	10576-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Lot Number	46.003
Jurisdiction	WESTCHESTER NY
Township / Civil Division	POUND RIDGE
Census Block Group	2
Census Block	2010
Census Tract	12400

Owner

Source: Westchester County and Pound Ridge Town assessment roll, APN 554600 9318-46.3-9, as of May 14, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	178 UPPER SHAD RD, POUND RIDGE, NY 10576-2231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2023	Deed of Trust, Mortgage · Line of Credit ORANGE BANK & TRUST CO
Oct 27, 2020	Grant Deed, Transfer STATEWIDE ABSTRACT
Jan 17, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 27, 2020 · Amount on Record
Deed Sale	Oct 27, 2020 · Amount on Record
Deed Document Number	2020602943155
Record Updated	Jun 08, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	178 UPPER SHAD RD, POUND RIDGE, NY 10576-2231
Transaction Type	Mortgage
Record Updated	Feb 06, 2023
Title Company	RECORD & RETURN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 N BROADWAY 211, 211, YONKERS, NY 10701-1311

Mortgage

Document Number	0630273217
Date	Jan 27, 2023
Instrument	630273217

Lender

Name	ORANGE BANK & TRUST CO
Type	Bank
Address	MIDDLETOWN, NY 10940

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 20, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Oct 27, 2020
Property Address	178 UPPER SHAD RD, POUND RIDGE, NY 10576-2231
Document Number	0602943155
Book / Page	060294 / 003155
Instrument Date	Oct 22, 2020
Transaction Type	Transfer
Record Updated	Nov 06, 2020
Title Company	STATEWIDE ABSTRACT

Transaction

Amount	Amount Recorded
Tax	$3,400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 WAPPINGER TRL BRIARCLIFF MANOR NY 105101951, BRIARCLIFF MANOR, NY 10510-1951

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	178 UPPER SHAD RD, POUND RIDGE, NY 10576-2231
Document Number	0580253212
Instrument Date	Jan 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 UPPER SHAD RD POUND RIDGE NY 105762231, POUND RIDGE, NY 10576-2231

Mortgage

Document Number	0580253212
Date	Jan 25, 2018
Book Page	058025/003212

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Westchester County and Pound Ridge Town assessment roll as of May 14, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,522.00	$135,000 (-) Land $40,000 Building $95,000	$1,074,840 (+2.39%) Land $318,471 Building $756,369
2024		$135,000 (-) Land $40,000 Building $95,000	$1,049,767 (+11.2%) Land $311,042 Building $738,725
2023		$135,000 Land $40,000 Building $95,000	$944,056 Land $279,720 Building $664,336

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Westchester County (36119C), as of September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361190124002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	10 (1979–2021)
Claims Outside the SFHA	7 of 10
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 3 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 39 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
Optimum Communications Cable	940 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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