An off-duty city firefighter rescued a disabled boy and his caregiver from a burning home in Westchester yesterday, authorities said.

Christopher Murray, 25, assigned to Engine 88, in The Bronx, was on his way to lunch with a friend in Arnsdale when he noticed plumes of smoke in the distance.

When he got to the house in nearby Greenburgh around 1:20 p.m., the fire “was lit up; going good,” he said.

Murray sprang into action and found a “woman in the kitchen who was trying to put out the fire” with buckets of water.

He helped her to safety, but neighbors said a boy was still trapped inside. In the back bedroom, Murray found the tyke and brought him outside as well.

The blaze was quickly extinguished. “My father [who is also a firefighter] was proud of me because my father would have done the same thing,” Murray said.