28 James Rd, Mount Kisco, NY 10549 Property Records

Westchester County and New Castle Town property record for 28 James Rd, Mount Kisco, NY 10549

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,494 sqft · built 1969
Lot Size	2.04 acres (88,862 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,100,000 (Jun 2025)
Tax Bill	$43,975 (2026)
Deeds & Mortgages	Jun 2025 Sale & Mortgage May 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`553600 82.13-1-6`

Property Details

APN / Parcel Number

Primary APN	`553600 82.13-1-6`
Alternative APNs	`360008201300010060000000` `2492060`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,494 sqft Living Area
1st Floor Area	1,760 sqft
2nd Floor Area	1,734 sqft
Basement Area	952 sqft
Finished Basement	952 sqft
Unfinished Basement	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	88,862 sqft (2.04 acres)
Garage Type	Attached
Garage Area	1,026 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	1,363 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Water Source	Commercial

Location & Zoning

Account Number	2492060
Street Address	28 JAMES RD
City	MOUNT KISCO
State	NY
Zip	10549-3723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2A
Legal Subdivision	CHRISTIE PLACE CONDOMINIUM
Legal Block	1
Legal Lot Number	6.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	NEW CASTLE
Census Block Group	3
Census Block	3007
Census Tract	13104

Owner

Source: Westchester County and New Castle Town records, as of October 21, 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 Record
Mailing Address	119 RIVER ST, SLEEPY HOLLOW, NY 10591-2472
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2025	Bargain and Sale Deed, Transfer · FHA Mortgage WELLS FARGO BANK NA
May 24, 2018	Loan Modification, Mortgage GUARDHILL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2025 · Amount on Record
Deed Sale	Jun 2, 2025 · Amount on Record
Prior Sale	Jan 26, 2009 · Amount on Record
Deed Document Number	20253011
Record Updated	Oct 29, 2026

June 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Jun 2, 2025
Property Address	28 JAMES RD, MOUNT KISCO, NY 10549-3723
Document Number	0651433011
Map Reference	MAP 15594
Instrument Date	May 23, 2025
Instrument	651433011
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	JUDICIAL TITLE INSURANCE AGENCY INC, JUDICIAL TITLE INS AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 JAMES RD, MOUNT KISCO, NY 10549-3723

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 RIVER ST, SLEEPY HOLLOW, NY 10591-2472

Mortgage

Document Number	0651493236
Date	Jun 2, 2025
Instrument	651493236

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2032
Change Frequency	4 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	SOFR Average 30-Day
Max Rate	10%

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WESTCHESTER NY
Property Address	28 JAMES RD, MOUNT KISCO, NY 10549-3723
Document Number	0581573607
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Jun 25, 2018
Title Company	KISS ABSTRACT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 JAMES RD MOUNT KISCO NY 105493723, MOUNT KISCO, NY 10549-3723

Mortgage

Document Number	0581573607
Date	Jun 7, 2018
Book Page	058157/003607

Lender

Name	GUARDHILL FIN'L
Type	Funding / Finance Company
Address	NEW YORK, NY 10017

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

Source: Westchester County and New Castle Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	New Castle Town
Unified School District	Chappaqua Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$43,975.00 (+53.99%)
2025	$28,557.00	$260,000 (-) Land $48,400 Building $211,600	$1,863,799 (+0.86%) Land $346,953 Building $1,516,846
2024		$260,000 (-) Land $48,400 Building $211,600	$1,847,903 (+5.19%) Land $343,994 Building $1,503,909
2023		$260,000 Land $48,400 Building $211,600	$1,756,757 Land $327,027 Building $1,429,730
2020	$39,984.00

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.

Flood

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
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	11 (1979–2021)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NEW CASTLE/STANWOOD W.D. serves 17,116 people · EPA ID NY5903442
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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