11934 State Rte 9n, Upper Jay, NY 12987 Property Records

Essex County and Jay Town property record for 11934 State Rte 9n, Upper Jay, NY 12987

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,565 sqft · built 1954
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$344,000 (Nov 2024)
Tax Bill	$3,747 (2026)
Deeds & Mortgages	Sep 2011 Mortgage Nov 2024 Sale & Mortgage
APN	`615J109407`

Property Details

APN / Parcel Number

Primary APN	`615J109407`
Alternative APNs	`280003500400030130000000` `152800 35.4-3-13.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,565 sqft Living Area
1st Floor Area	1,109 sqft
2nd Floor Area	456 sqft
Upper Floors Area	456 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood
Foundation Type	Raised
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	96 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	615J109407
Street Address	11934 STATE ROUTE 9N
City	UPPER JAY
State	NY
Zip	12987-3304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	12 MALLORY GRANT
Legal Block	3
Legal Lot Number	13.000
Jurisdiction	ESSEX NY
Township / Civil Division	JAY
Census Block Group	2
Census Block	2054
Census Tract	960200

Owner

Source: Essex County and Jay 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	Individual Name on Record
Mailing Address	PO BOX 80, PORTER CORNERS, NY 12859-0080
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2011	Deed of Trust, Mortgage BANK OF AMERICA FEDERAL SAVINGS BANK
Nov 14, 2024	Warranty Deed, Transfer · ARM COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2024 · Amount on Record
Deed Sale	Nov 14, 2024 · Amount on Record
Prior Sale	May 8, 2007 · Amount on Record
Deed Document Number	20243917
Deed Book / Page	2183 / 290
Record Updated	Oct 29, 2026

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NY
Property Address	11934 STATE ROUTE 9N, UPPER JAY, NY 12987-3304
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002060/0000000056
Date	Sep 20, 2011
Book Page	0000002060/0000000056
Instrument	0000003751

Lender

Name	BANK OF AMERICA FEDERAL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NY
Recording Date	Nov 14, 2024
Property Address	11934 STATE ROUTE 9N, UPPER JAY, NY 12987-3304
Document Number	002183/290
Book / Page	2183 / 290
Instrument Date	Nov 8, 2024
Instrument	2024-3917
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	PO BOX 80, PORTER CORNERS, NY 12859-0080

Mortgage

Document Number	0020243918
Date	Nov 14, 2024
Instrument	2024-3918

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Dec 1, 2029
Index	Other

Tax Assessment & Valuation

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	$3,747.00 (+0.67%)
2025	$3,722.00 (-0.72%)	$192,500 (+4%) Land $52,000 Building $140,500	$192,500 (+4%) Land $52,000 Building $140,500
2024	$3,749.00 (+52.09%)	$185,100 (+4.11%) Land $50,000 Building $135,100	$185,100 (+4.11%) Land $50,000 Building $135,100
2023		$177,800 (+7.56%) Land $46,800 Building $131,000	$177,800 (+7.56%) Land $46,800 Building $131,000
2022	$2,465.00 (-40.04%)	$165,300 Land $32,400 Building $132,900	$165,300 Land $32,400 Building $132,900
2020	$4,111.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	97 (1979–2022)
Claims Outside the SFHA	51 of 97
Most Recent Claim	Feb 2022 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 30 claims Severe Storms High Winds, Rain And Flooding, Nov 1996 · 24 claims Severe Storms And Flooding, Jan 1996 · 6 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 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

4G LTE (outdoors only), no 5G reported

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