Essex County and North Elba Town property record for 1082 Olympic Trl, Ray Brook, NY 12977
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 558 sqft · built 1940 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Company Name on Record |
| Last Sale | $269,000 (Apr 2025) |
| Tax Bill | $1,625 (2026) |
| Deeds & Mortgages | Apr 2025 Sale & Refinance Jan 2022 Mortgage + 2 more |
| APN | 154089 41.7-1-5.000 |
| Primary APN | 154089 41.7-1-5.000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 558 sqft Living Area |
| 1st Floor Area | 558 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Detached |
| Garage Area | 273 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 675J113103 |
|---|---|
| Street Address | 1082 OLYMPIC TRL |
| City | RAY BROOK |
| State | NY |
| Zip | 12977 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 75 TWP 11 OMT RS |
| Legal Block | 1 |
| Legal Lot Number | 5.000 |
| Jurisdiction | ESSEX NY |
| Township / Civil Division | NORTH ELBA |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 960502 |
Source: Essex County and North Elba Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 828, RAY BROOK, NY 12977 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Apr 11, 2025 | Warranty Deed, Transfer · Stand-Alone Refinance DEBRA A SPELLMAN |
| Jan 11, 2022 | Deed of Trust, Mortgage · ARM NORTH COUNTRY SAVINGS BANK |
| Dec 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTH COUNTRY BANK |
| Nov 20, 2019 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2025 · Amount on Record |
| Deed Sale | Apr 11, 2025 · Amount on Record |
| Prior Sale | Nov 20, 2019 · Amount on Record |
| Deed Document Number | 20251198 |
| Deed Book / Page | 2198 / 211 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESSEX NY |
| Recording Date | Apr 11, 2025 |
| Property Address | 1082 OLYMPIC TRL, RAY BROOK, NY 12977 |
| Document Number | 002198/211 |
| Book / Page | 2198 / 211 |
| Instrument Date | Apr 9, 2025 |
| Instrument | 2025-1198 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 828, RAY BROOK, NY 12977 |
| Document Number | 0020251199 |
|---|---|
| Date | Apr 11, 2025 |
| Instrument | 2025-1199 |
| Name | DEBRA A SPELLMAN |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NY |
| Property Address | 1082 NYS ROUTE 86, RAY BROOK, NY 12977 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002022196 |
|---|---|
| Date | Jan 11, 2022 |
| Instrument | 2022-196 |
| Name | NORTH COUNTRY SAVINGS BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.33% |
| Type Change Date | Mar 1, 2023 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NY |
| Property Address | 1082 NYS ROUTE 86, RAY BROOK, NY 12977 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0020195038 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 2019-5038 |
| Name | NORTH COUNTRY BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESSEX NY |
| Recording Date | Nov 20, 2019 |
| Property Address | 1082 NYS ROUTE 86, RAY BROOK, NY 12977 |
| Document Number | 0001972/16 |
| Book / Page | 1972 / 16 |
| Instrument Date | Nov 7, 2019 |
| Instrument | 2019-4471 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 222, RAY BROOK, NY 12977-0222 |
Source: Essex County and North Elba Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Essex County |
| County Subdivision | North Elba Town |
| Unified School District | Saranac Lake Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,625.00 (-44.77%) | ||
| 2025 | $2,942.00 (+200.51%) | $123,600 (+1.98%) Land $41,300 Building $82,300 | $123,600 (+1.98%) Land $41,300 Building $82,300 |
| 2023 | $121,200 (+18.01%) Land $50,900 Building $70,300 | $121,200 (+18.01%) Land $50,900 Building $70,300 | |
| 2022 | $979.00 (-41.1%) | $102,700 Land $47,500 Building $55,200 | $102,700 Land $47,500 Building $55,200 |
| 2020 | $1,662.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | ADIRONDACK CORRECTIONAL FACILITY state or territorial government · serves 2,400 people · EPA ID NY1510497 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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