Nassau County and Oyster Bay Town property record for 10 4th St, Bayville, NY 11709
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,408 sqft · built 1981 |
| Lot Size | 0.092 acres (4,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $499,000 (Feb 2011) |
| Tax Bill | $8,958 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 28-048-00-0118 |
| Primary APN | 28-048-00-0118 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,408 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Basement Area | 980 sqft |
| Finished Basement | 980 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Other |
| Lot Area | 4,000 sqft (0.092 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| View / Lot | Dead End |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Balcony Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 28048 01180 |
|---|---|
| Street Address | 10 4TH ST |
| City | BAYVILLE |
| State | NY |
| Zip | 11709-2435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 118-119 |
| Legal Block | 48 |
| Legal Lot Number | 118-1 |
| Jurisdiction | NASSAU NY |
| Township / Civil Division | OYSTER BAY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 517902 |
10 4th St is owned and occupied by two individuals who bought it in February 2011.
Source: Nassau County and Oyster Bay Town records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 4TH ST, BAYVILLE, NY 11709-2435 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Sep 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Sep 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Jul 20, 2019 | Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI QUICKEN LNS |
| Jul 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2011 · Amount on File |
| Deed Sale | Feb 22, 2011 · Amount on File |
| Deed Document Number | 2011872 |
| Deed Book / Page | 12696 / 108 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 10 4TH ST, BAYVILLE, NY 11709-2435 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0458450931 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | 45845/931 |
| Instrument | 2021-121130 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Mar 1, 2033 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 10 4TH ST, BAYVILLE, NY 11709-2435 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0458450908 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | 45845/908 |
| Instrument | 2021-121129 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Mar 1, 2033 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 10 4TH ST, BAYVILLE, NY 11709-2435 |
| Document Number | 0435770606 |
| Instrument Date | Jul 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10 4TH ST BAYVILLE NY 117092435, BAYVILLE, NY 11709-2435 |
| Document Number | 0435770606 |
|---|---|
| Date | Aug 1, 2019 |
| Book Page | 043577/000606 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 31, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 10 4TH ST, BAYVILLE, NY 11709-2435 |
| Document Number | 0435770583 |
| Instrument Date | Jul 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10 4TH ST BAYVILLE NY 117092435, BAYVILLE, NY 11709-2435 |
| Document Number | 0435770583 |
|---|---|
| Date | Aug 1, 2019 |
| Book Page | 043577/000583 |
| Instrument | 64018 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 31, 2034 |
The 2025 property tax bill for 10 4th St was $8,958.
Source: Nassau County and Oyster Bay Town assessment roll, as of June 17, 2026
| Type | Name |
|---|---|
| State | New York |
| Municipality | Bayville Village |
| County | Nassau County |
| County Subdivision | Oyster Bay Town |
| Unified School District | Locust Valley Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $484 Land $169 Building $315 | $484,000 | |
| 2025 | $8,958.00 | ||
| 2023 | $10,743.00 Homeowner's exemption | $538 Land $188 Building $350 | $538,000 |
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.
FEMA maps place 10 4th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 5, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 554 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 554 in force |
| Nearby Flood Claims | 202 (1978–2023) |
| Claims Outside the SFHA | 20 of 202 |
| Most Recent Claim | Dec 2023 · rainfall accumulation |
| 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.
Wildfire risk around 10 4th St 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 93% of the US · lower than 89% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BAYVILLE (V) serves 6,700 people · EPA ID NY2902816 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
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