Westchester County and Bedford Town property record for 28 Elm Rd, Katonah, NY 10536
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,865 sqft · built 1948 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Trust Name on File |
| Last Sale | $851,000 (Apr 2021) |
| Tax Bill | $21,144 (2026) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Sep 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 552000 49.18-2-28 |
| Primary APN | 552000 49.18-2-28 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,865 sqft Living Area |
| 1st Floor Area | 984 sqft |
| 2nd Floor Area | 569 sqft |
| Upper Floors Area | 312 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Other |
| Exterior Material | Wood |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Basement |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 00000145800 |
|---|---|
| Street Address | 28 ELM RD |
| City | KATONAH |
| State | NY |
| Zip | 10536-1308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R 1/2 |
| Legal Subdivision | CAMILLE VIRTUSO |
| Legal Block | 2 |
| Legal Lot Number | 28.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | BEDFORD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 12803 |
28 Elm Rd is owner-occupied and held in a trust since April 2021.
Source: Westchester County and Bedford Town records, as of October 21, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 28 ELM RD, KATONAH, NY 10536-1308 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Apr 21, 2021 | Deed, Transfer · ARM STIFEL BANK & TRUST |
| Sep 16, 2019 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2021 · Amount on File |
| Deed Sale | Apr 21, 2021 · Amount on File |
| Prior Sale | Apr 21, 2021 · Amount on File |
| Deed Document Number | 2021610893207 |
| Prior Transfer Date | Aug 11, 1997 |
| Prior Transfer Doc | 1180000001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Apr 21, 2021 |
| Property Address | 28 ELM RD, KATONAH, NY 10536-1308 |
| Document Number | 0610893207 |
| Instrument Date | Apr 6, 2021 |
| Instrument | 610893207 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | BOSTON NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,404.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2204 STONE RIVER DR, 2204, AUSTIN, TX 78745-6918 |
| Name | Verified Name |
|---|---|
| Address | 32 W 82ND ST APT 8A, 8A, NEW YORK, NY 10024-5622 |
| Document Number | 0610983330 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 610983330 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 7.87% |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 28 ELM RD, KATONAH, NY 10536-1308 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0592593081 |
|---|---|
| Date | Sep 16, 2019 |
| Instrument | 592593081 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 28 Elm Rd was $21,144, up 7.2% from the year before.
Source: Westchester County and Bedford Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| County Subdivision | Bedford Town |
| Unified School District | Katonah-Lewisboro Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $21,144.00 (+7.2%) | ||
| 2025 | $19,724.00 | $73,925 (-0.01%) Land $13,800 Building $60,125 | $966,340 (+6.14%) Land $180,392 Building $785,948 |
| 2024 | $73,930 (-) Land $13,800 Building $60,130 | $910,468 (+4.56%) Land $169,951 Building $740,517 | |
| 2023 | $73,930 Land $13,800 Building $60,130 | $870,789 Land $162,544 Building $708,245 |
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 28 Elm Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2007 · tidal / storm surge |
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 28 Elm Rd is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | BEDFORD CONSOLIDATED W.D. serves 9,056 people · EPA ID NY5903419 |
|---|---|
| Water Source | Purchased surface water from NEW YORK CITY SYSTEM |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2025–2027) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
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