Westchester County and Ossining Town property record for 295 Saddle Trl, Ossining, NY 10562
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2.5 ba · 1,601 sqft · built 1986 |
| Lot Size | 0.01 acres (436 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $456,000 (Aug 2020) |
| Tax Bill | $7,810 (2026) |
| Deeds & Mortgages | Apr 2017 Mortgage Jul 2018 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 554289 80.20-1-1.2905 |
| Primary APN | 554289 80.20-1-1.2905 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,601 sqft Living Area |
| 1st Floor Area | 801 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Wood |
| Lot Area | 436 sqft (0.01 acres) |
| Garage Type | Attached |
| Garage Area | 330 sqft |
| Porch | Open Porch |
| Porch Area | 107 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 295 SADDLE TRL |
|---|---|
| City | OSSINING |
| State | NY |
| Zip | 10562-7005 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Subdivision | FOX HILL CONDOMINIUM V |
| Legal Block | 1 |
| Legal Lot Number | 1.000 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | OSSINING |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 13700 |
Source: Westchester County and Ossining 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 | 295 SADDLE TRL, OSSINING, NY 10562-7005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Jul 5, 2018 | Deed of Trust, Mortgage · Line of Credit CITIBANK NA |
| Aug 28, 2020 | Bargain and Sale Deed, Transfer · Conventional Mortgage HSBC BANK USA |
| Feb 17, 2017 | Loan Modification, Mortgage · Conventional Mortgage CITIBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2020 · Amount on Record |
| Deed Sale | Aug 28, 2020 · Amount on Record |
| Prior Sale | Apr 14, 1997 · Amount on Record |
| Deed Document Number | 2020602263230 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 295 SADDLE TRL, OSSINING, NY 10562-7005 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0570943320 |
|---|---|
| Date | Apr 5, 2017 |
| Instrument | 570943320 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 295 SADDLE TRL, OSSINING, NY 10562-7005 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK HOME EQUITY |
| Name | Verified Name |
|---|
| Document Number | 0581863110 |
|---|---|
| Date | Jul 5, 2018 |
| Instrument | 581863110 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 4, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Aug 28, 2020 |
| Property Address | 295 SADDLE TRL, OSSINING, NY 10562-7005 |
| Document Number | 0602263230 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 602263230 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2022 |
| Title Company | BENCHMARK TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,824.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 774 PALMDALE LN, 774, OKATIE, SC 29909-6527 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 32 RATHBUN AVE, WHITE PLAINS, NY 10606-3009 |
| Document Number | 0602403704 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 602403704 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 295 SADDLE TRL, OSSINING, NY 10562-7005 |
| Document Number | 0570943321 |
| Instrument Date | Feb 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2019 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 295 SADDLE TRL OSSINING NY 105627005, OSSINING, NY 10562-7005 |
| Document Number | 0570943321 |
|---|---|
| Date | Apr 5, 2017 |
| Book Page | 057094/003321 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Address | O FALLON, MT 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 4, 2047 |
| Rate | 3.37% |
|---|
Source: Westchester County and Ossining Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| County Subdivision | Ossining Town |
| Unified School District | Ossining Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,810.00 | ||
| 2025 | $261,900 (+2.03%) Land $86,100 Building $175,800 | $261,900 (+2.03%) Land $86,100 Building $175,800 | |
| 2024 | Additional exemption filed | $256,700 (+3.13%) Land $86,100 Building $170,600 | $256,700 (+3.13%) Land $86,100 Building $170,600 |
| 2023 | $248,900 Land $86,100 Building $162,800 | $248,900 Land $86,100 Building $162,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
| Nearby Flood Claims | 4 (1982–2012) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| 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.
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 | OSSINING WATER DEPARTMENT serves 30,000 people · EPA ID NY5903451 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 3 ppb (2025) 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 143 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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