55 Lambert Rdg, Cross River, NY 10518 Property Records

Westchester County and Lewisboro Town property record for 55 Lambert Rdg, Cross River, NY 10518

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,287 sqft · built 1997
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on File
Last Sale	$825,000 (May 2019)
Tax Bill	$23,405 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Oct 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10533-463`

Property Details

APN / Parcel Number

Primary APN	`10533-463`
Alternative APNs	`300010503304630010070000` `553000 10533-463-0017`

Interior

Bedrooms	4 Beds
Stories	2 Stories
Building Area	3,287 sqft Living Area
Attic	Attic
Attic Area	252 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	41,382 sqft (0.95 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	10533-463
Street Address	55 LAMBERT RDG
City	CROSS RIVER
State	NY
Zip	10518-1123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Subdivision	MICHELLE ESTATES AT CROSS RIVER
Legal Block	463-
Legal Lot Number	1.7
Jurisdiction	WESTCHESTER NY
Township / Civil Division	LEWISBORO
Census Block Group	3
Census Block	3007
Census Tract	12502

Owner

55 Lambert Rdg is owned by two individuals who bought it in May 2019.

Source: Westchester County and Lewisboro Town records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	LAMBERT RDG, CROSS RIVER, NY 10518
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Oct 26, 2020	Loan Modification, Mortgage · Conventional Mortgage BANK OF AMERICA
May 13, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2019 · Amount on File
Deed Sale	May 13, 2019 · Amount on File
Prior Sale	Aug 5, 2016 · Amount on File
Deed Document Number	2019591133388
Prior Transfer Date	Jan 9, 2001
Prior Transfer Doc	0410370203
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTCHESTER NY
Property Address	55 LAMBERT RDG, CROSS RIVER, NY 10518-1123
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0603223020
Date	Nov 17, 2020
Instrument	603223020

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WESTCHESTER NY
Property Address	55 LAMBERT RDG, CROSS RIVER, NY 10518-1123
Document Number	0603223021
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 LAMBERT RDG CROSS RIVER NY 105181123, CROSS RIVER, NY 10518-1123

Mortgage

Document Number	0603223021
Date	Nov 17, 2020
Book Page	060322/003021

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 16, 2050

Interest

Rate Type	Adjustable Rate

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WESTCHESTER NY
Recording Date	May 13, 2019
Property Address	55 LAMBERT RDG, CROSS RIVER, NY 10518-1123
Document Number	0591133388
Book / Page	059113 / 003388
Instrument Date	Apr 30, 2019
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,300.00
Amount Accuracy	Estimated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 LAMBERT RDG CROSS RIVER NY 105181123, CROSS RIVER, NY 10518-1123

Mortgage

Document Number	591293243
Date	May 13, 2019
Book Page	059129/003243

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 12, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 55 Lambert Rdg was $23,405, up 318.9% from the year before.

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	$23,405.00 (+318.92%)
2025	$5,587.00	$74,900 (-) Land $19,000 Building $55,900	$1,194,577 (+2.39%) Land $303,030 Building $891,547
2024		$74,900 (-) Land $19,000 Building $55,900	$1,166,667 (+8.72%) Land $295,950 Building $870,717
2023		$74,900 Land $19,000 Building $55,900	$1,073,066 Land $272,206 Building $800,860

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

FEMA maps place 55 Lambert Rdg in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1980.

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 File 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

Wildfire risk around 55 Lambert Rdg 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	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 55 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: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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