108 Spruce Ln, Jay, NY 12941 Property Records

Essex County and Jay Town property record for 108 Spruce Ln, Jay, NY 12941

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 946 sqft · built 1981
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (Sep 2019)
Tax Bill	$5,584 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2019 Sale
APN	`615J103902`

Property Details

APN / Parcel Number

Primary APN	`615J103902`
Alternative APNs	`280001704200010120000000` `152800 17.42-1-12.000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	946 sqft Living Area
Gross Area	996 sqft
1st Floor Area	676 sqft
Upper Floors Area	320 sqft
Attic	Attic
Attic Area	270 sqft
Basement Area	640 sqft
Finished Basement	640 sqft
Game Room	Game Room

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Cottage
Exterior Material	Wood
Lot Area	34,848 sqft (0.8 acres)
Garage Type	Detached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	615J103902
Street Address	108 SPRUCE LN
City	JAY
State	NY
Zip	12941-2136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	143 JAY TRACT AUSABLE ACRES SECTION ONE LOT 187
Legal Block	1
Legal Lot Number	12.000
Jurisdiction	ESSEX NY
Township / Civil Division	JAY
Census Block Group	1
Census Block	1039
Census Tract	960200

Owner

108 Spruce Ln is owned and occupied by two individuals who bought it in September 2019.

Source: Essex County and Jay Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	108 SPRUCE LN, JAY, NY 12941-2136
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2019	Deed of Trust, Mortgage · Balloon Mortgage ADIRONDACK BANK
Sep 18, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2019 · Amount on File
Deed Sale	Sep 18, 2019 · Amount on File
Prior Sale	Mar 14, 2016 · Amount on File
Deed Document Number	20193446
Deed Book / Page	1964 / 133
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NY
Property Address	108 SPRUCE LN, JAY, NY 12941-2136
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020193527
Date	Sep 24, 2019
Instrument	2019-3527

Lender

Name	ADIRONDACK BANK

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NY
Recording Date	Sep 18, 2019
Property Address	108 SPRUCE LN, JAY, NY 12941-2136
Document Number	001964/133
Book / Page	1964 / 133
Instrument Date	Aug 30, 2019
Instrument	2019-3446
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SPRUCE LN, JAY, NY 12941-2136

Tax Assessment & Valuation

The 2026 property tax bill for 108 Spruce Ln was $5,584, up 0.7% from the year before.

Source: Essex County and Jay Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Essex County
County Subdivision	Jay Town
Unified School District	AuSable Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,584.00 (+0.67%)
2025	$5,547.00	$291,700 Land $184,100 Building $107,600	$291,700 Land $184,100 Building $107,600
2023		$206,800 (+25.49%) Land $115,000 Building $91,800	$206,800 (+25.49%) Land $115,000 Building $91,800
2022	$2,457.00	$164,800 Land $57,000 Building $107,800	$164,800 Land $57,000 Building $107,800
2020	$3,980.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 108 Spruce Ln; there have been 9 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	4 in force
Nearby Flood Claims	9 (1981–2018)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Jan 2018 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims Severe Storms High Winds, Rain And Flooding, Nov 1996 · 3 claims

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 108 Spruce Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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