11923 Rays Bay Rd, Henderson, NY 13650 Property Records

Jefferson County and Henderson Town property record for 11923 Rays Bay Rd, Henderson, NY 13650 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1986
Square Footage	1,152 sqft Living Area
Lot Size	134,165 sqft (3.08 acres)
Occupancy	Owner Occupied
Last Sale	$146,000 (2021)
Tax Bill	$1,623.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`223600 105.00-1-68.2`
Alternative APN	`36001050000001068000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,152 sqft Living Area
1st Floor	1,152 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	134,165 sqft (3.08 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	672 sqft Garage
Porch Area	724 sqft Porch
Canopy Area	200 sqft Canopy

Utilities and HVAC

Heating Fuel	Electric Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Account Number	223600 105.00-1-68.2
Street Address	11923 RAYS BAY RD
City	HENDERSON
State	NY
Zip	13650-2202
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	68.200
Jurisdiction	JEFFERSON NY
Minor Civil Division	HENDERSON
Census Blockgroup	3
Census Block	3018
Census Tract	61700

Owner

Source: Jefferson County and Henderson Town records · APN 223600 105.00-1-68.2

Assessment roll updated April 28, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	11923 RAYS BAY RD, HENDERSON, NY 13650-2202
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 2021 · Amount on Record
Deed Sale	Jan 04, 2021 · Amount on Record
Prior Sale	Nov 27, 2002 · Amount on Record
Deed Doc Number	2021106
Prior Transfer Date	Feb 15, 2006
Prior Transfer Doc	0000002748
Record Refreshed	Jun 08, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	Jan 04, 2021
Property Address	11923 RAYS BAY RD, HENDERSON, NY 13650-2202
Document Number	0000000106
Instrument Date	Nov 02, 2020
Instrument	106
Transaction Type	Transfer
Record Updated	Feb 02, 2021
Title Company	BROWNELL ABSTRACT CORPORATION, BROWNELL ABS CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$584.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	25200 GERMAN CREEK RD RODMAN NY 13682, RODMAN, NY 13682

Mortgage

Document Number	107
Date	Jan 04, 2021
Instrument	107

Lender

Name	NORTH CNTRY BK NA
Type	Bank
Address	WILLIAMSVILLE, NY 14221

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 03, 2051

Tax Assessment & Valuation

Source: Jefferson County and Henderson Town records · Assessment roll updated April 28, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Jefferson County
County Subdivision	Henderson Town
Unified School District	Belleville Henderson Central School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$90,900 (-) Land $27,600 Building $63,300	$133,676 (+14.53%) Land $40,588 Building $93,088
2024	$1,623.00 (+153.59%)
2023		$90,900 (-) Land $27,600 Building $63,300	$116,718 (+16.06%) Land $35,439 Building $81,279
2022	$640.00 Disabled Person's exemption Veteran's exemption	$90,900 Land $27,600 Building $63,300	$100,564 Land $30,534 Building $70,030

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jefferson County (36045C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not included in the FIRM
Flood Hazard	Not mapped
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.