Westchester County and Lewisboro Town property record for 45 E Ridge Rd, Waccabuc, NY 10597
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4,374 sqft · built 1997 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $2,500,000 (Dec 2021) |
| Tax Bill | $41,435 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage Aug 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10803-124 |
| Primary APN | 10803-124 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 4,374 sqft Living Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Account Number | 10803-124 |
|---|---|
| Street Address | 45 E RIDGE RD |
| City | WACCABUC |
| State | NY |
| Zip | 10597-1200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2A |
| Legal Block | 124- |
| Legal Lot Number | 2.5 |
| Jurisdiction | WESTCHESTER NY |
| Township / Civil Division | LEWISBORO |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 12502 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Waccabuc Historic District listed 2015 · 81 contributing resources · NRIS 15000236 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | Individual Name on Record |
|---|---|
| Mailing Address | E RIDGE RD, WACCABUC, NY 10597 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Aug 6, 2020 | Deed of Trust, Mortgage · Line of Credit MORGAN STANLEY CREDIT CORP |
| Dec 13, 2021 | Bargain and Sale Deed, Transfer THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2021 · Amount on Record |
| Deed Sale | Dec 13, 2021 · Amount on Record |
| Deed Document Number | 20213332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 45 E RIDGE RD, WACCABUC, NY 10597-1200 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2023 |
| Title Company | TITLEVEST AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0602133425 |
|---|---|
| Date | Aug 6, 2020 |
| Instrument | 602133425 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.1% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.1% |
| Index | 1-Year LIBOR |
| Max Rate | 8.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Property Address | 45 E RIDGE RD, WACCABUC, NY 10597-1200 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2023 |
| Title Company | TITLEVEST AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0602133430 |
|---|---|
| Date | Aug 6, 2020 |
| Instrument | 602133430 |
| Name | MORGAN STANLEY CREDIT CORP |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45245 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.1% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.1% |
| Index | 1-Year LIBOR |
| Max Rate | 8.1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | WESTCHESTER NY |
| Recording Date | Dec 13, 2021 |
| Property Address | 45 E RIDGE RD, WACCABUC, NY 10597-1200 |
| Document Number | 0613203332 |
| Map Reference | MAP 25433 |
| Instrument Date | Dec 1, 2021 |
| Instrument | 613203332 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2023 |
| Title Company | THOROUGHBRED TITLE SERVICES LLC, THOROUGHBRED TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $10,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 E RIDGE RD, WACCABUC, NY 10597-1200 |
| Name | Verified Name |
|---|---|
| Address | 45 W 10TH ST, NEW YORK, NY 10011-8763 |
Source: Westchester County and Lewisboro Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Westchester County |
| County Subdivision | Lewisboro Town |
| Unified School District | Katonah-Lewisboro Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $41,435.00 (+1,284.86%) | ||
| 2025 | $2,992.00 | $132,600 (-) Land $30,000 Building $102,600 | $2,114,833 (+2.39%) Land $478,469 Building $1,636,364 |
| 2024 | $132,600 (+3.92%) Land $30,000 Building $102,600 | $2,065,421 (+12.98%) Land $467,290 Building $1,598,131 | |
| 2023 | $127,600 (+1.59%) Land $30,000 Building $97,600 | $1,828,080 (+19.06%) Land $429,799 Building $1,398,281 | |
| 2022 | $125,600 Land $30,000 Building $95,600 | $1,535,452 Land $366,748 Building $1,168,704 |
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.
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 | 5 (2007–2023) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 2023 · Severe Storm And Flooding |
| 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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