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Single Family ResidenceResidential
$1,795,000$491 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $1,605,000 on Nov 15, 2022

38 SADDLE RIDGE RD

POUND RIDGE, NY 10576
4
Beds
3
Baths
3,653 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3 ac
Lot SizeThe size of the land the home sits on, from county records.
1969
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.8M
$1.5M low$2.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,605,000 · Nov 15, 2022
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$990,000
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$792,000
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.45%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$805,000
GREENWAY MORTGAGE FUNDING CORP · recorded Nov 15, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$27,100 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$187,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$50,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$137,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$187,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,492,038

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.50
54
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
21
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
63
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.17 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyWESTCHESTER
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1973
Lot (acres)The size of the land the home sits on, from county records.3.00
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 90 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Pound Ridge Elementary SchoolA-
Elementary · Grades KG–5 · 2.0 mi
M
Fox Lane Middle SchoolB+
Middle · Grades 6–8 · 4.5 mi
H
Fox Lane High SchoolB-
High · Grades 9–12 · 4.6 mi

District: Bedford Central School District

Neighborhood · ZIP 10576These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.84
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.113
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.92

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.47%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.5,198
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.222 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$229,395
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$292,342
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

38 Saddle Ridge Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 86% of homes in Westchester County
  • Bigger than 87% of homes in Westchester County
  • Has a bigger lot than 97% of homes in Westchester County
  • Newer than 71% of homes in Westchester County

What homes are worth in Pound Ridge 10576

Each bar is how many homes fall in that price range. The marker is this home.

This home
$701K$4.8M

This home is worth more than 63% of homes in Pound Ridge 10576.

How it measures up in Pound Ridge 10576

The dot is this home. The mark in the middle is the typical home in Pound Ridge 10576.

Estimated value$1,795,000
CheaperTypical $1,551,258Pricier

Pricier than 63% of homes nearby

Price per ft²$491
CheaperTypical $524Pricier

Pricier than 36% of homes nearby

Living area3,653 ft²
SmallerTypical 3,002 ft²Bigger

Bigger than 68% of homes nearby

Lot size3 ac
SmallerTypical 2.64 acBigger

Bigger than 58% of homes nearby

Year built1969
OlderTypical 1970Newer

Newer than 48% of homes nearby

How 38 Saddle Ridge Rd ranks against every home in each area.
MeasureThis homePound Ridge 10576Westchester County
Estimated valuepricier than$1,795,00063% of homes86% of homes
Price per ft²pricier than$49136% of homes45% of homes
Living areabigger than3,653 ft²68% of homes87% of homes
Lot sizebigger than3 ac58% of homes97% of homes
Year builtnewer than196948% of homes71% of homes

About 38 Saddle Ridge Rd

How much is 38 Saddle Ridge Rd, Pound Ridge, NY worth?

The TopHap Estimate for 38 Saddle Ridge Rd, Pound Ridge, NY is $1,795,000 as of Jul 14, 2026. The likely range is $1,528,558 to $2,061,442. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Saddle Ridge Rd, Pound Ridge, NY last sell?

38 Saddle Ridge Rd, Pound Ridge, NY last sold on Nov 15, 2022 for $1,605,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 38 Saddle Ridge Rd, Pound Ridge, NY?

38 Saddle Ridge Rd, Pound Ridge, NY has 4 bedrooms, 3 bathrooms, 3,653 square feet of living space and a 3.00-acre lot.

When was 38 Saddle Ridge Rd, Pound Ridge, NY built?

38 Saddle Ridge Rd, Pound Ridge, NY was built in 1969, making it 57 years old. It is a colonial home. The building has 2 stories.

What schools serve 38 Saddle Ridge Rd, Pound Ridge, NY?

38 Saddle Ridge Rd, Pound Ridge, NY is assigned to Pound Ridge Elementary School (elementary), rated A-; Fox Lane Middle School (middle), rated B+; Fox Lane High School (high), rated B-. All sit in Bedford Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 38 Saddle Ridge Rd, Pound Ridge, NY compare to other homes in Pound Ridge 10576?

Among the 2,087 homes in Pound Ridge 10576, it is worth more than 63% of them ($1,795,000 against a typical $1,551,258), its price per square foot is higher than 36% of them ($491 against a typical $524), it is bigger than 68% of them (3,653 ft² against a typical 3,002 ft²), its lot is bigger than 58% of them (3 ac against a typical 2.64 ac) and it is newer than 48% of them (1969 against a typical 1970). Measured against all of Westchester County, it is worth more than 86% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 38 Saddle Ridge Rd, Pound Ridge, NY?

The 2025 property tax bill for 38 Saddle Ridge Rd, Pound Ridge, NY was $27,100. The county assessed it at $187,400.

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Assigned schools

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