3 Lambert Rdg, Cross River, NY 10518 Property Records

Westchester County and Lewisboro Town property record for 3 Lambert Rdg, Cross River, NY 10518

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,224 sqft · built 1999
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$953,000 (Dec 2020)
Tax Bill	$25,342 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10533-485`

Property Details

APN / Parcel Number

Primary APN	`10533-485`
Alternative APNs	`300010503304850010070000` `553000 10533-485-0017`

Interior

Bedrooms	4 Beds
Stories	2 Stories
Building Area	3,224 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	10533-485
Street Address	3 LAMBERT RDG
City	CROSS RIVER
State	NY
Zip	10518-1123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Subdivision	MICHELLE ESTATES
Legal Block	485-
Legal Lot Number	1.7
Jurisdiction	WESTCHESTER NY
Township / Civil Division	LEWISBORO
Census Block Group	3
Census Block	3007
Census Tract	12502

Owner

Source: Westchester County and Lewisboro 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	LAMBERT RDG, CROSS RIVER, NY 10518
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 24, 2020	Bargain and Sale Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 24, 2020 · Amount on Record
Deed Sale	Dec 24, 2020 · Amount on Record
Prior Sale	May 10, 2000 · Amount on Record
Deed Document Number	2020603463922
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	3 LAMBERT RDG, CROSS RIVER, NY 10518-1123
Transaction Type	Mortgage
Record Updated	Dec 13, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 LAMBERT RDG, CROSS RIVER, NY 10518-1123

Mortgage

Document Number	0623323619
Date	Nov 29, 2022
Instrument	623323619

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Dec 24, 2020
Property Address	3 LAMBERT RDG, CROSS RIVER, NY 10518-1123
Document Number	0603463922
Map Reference	MAP 24046
Instrument Date	Dec 15, 2020
Instrument	603463922
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	JUDICIAL TTITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,812.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 LAMBERT RDG, 3, CROSS RIVER, NY 10518-1123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 RIVERSIDE DR # 8H, 8H, NEW YORK, NY 10024-5323

Mortgage

Document Number	0603583452
Date	Dec 24, 2020
Instrument	603583452

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	Lewisboro Town
Unified School District	Katonah-Lewisboro Union Free School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$25,342.00 (+484.32%)
2025	$4,337.00	$81,100 (-) Land $19,000 Building $62,100	$1,293,461 (+2.39%) Land $303,030 Building $990,431
2024		$81,100 (-) Land $19,000 Building $62,100	$1,263,240 (+8.72%) Land $295,950 Building $967,290
2023		$81,100 Land $19,000 Building $62,100	$1,161,891 Land $272,206 Building $889,685

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 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (1980–2008)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Aug 2008 · rainfall accumulation

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	0.01% 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	MICHELLE ESTATES private · serves 340 people · EPA ID NY5930013
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	2 ppb (2025–2027) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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