12 Charles St, Valley Stream, NY 11580 Property Records

Nassau County and Hempstead Town property record for 12 Charles St, Valley Stream, NY 11580

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,216 sqft · built 1928
Lot Size	0.067 acres (2,900 sqft)
Owner	2 Trust Names on File
Tax Bill	$9,812 (2025)
Deeds & Mortgages	Dec 2025 Transfer Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`37-470-00-0009`

Property Details

APN / Parcel Number

Primary APN	`37-470-00-0009`
Alternative APNs	`2089-37-470-00-0009-0` `37470000009000000000` `282089 37.-470-9` `37470 00090`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,216 sqft Living Area
Gross Area	1,344 sqft
1st Floor Area	448 sqft
Basement Area	128 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Old Style
Exterior Material	Wood
Construction Type	Frame
Roof Material	Other
Lot Area	2,900 sqft (0.067 acres)
Lot Dimensions	100 ft deep x 29 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Balcony Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	37470 00090
Street Address	12 CHARLES ST
City	VALLEY STREAM
State	NY
Zip	11580-2217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN #1 SCH DIST 016
Legal Block	470
Legal Lot Number	9
Jurisdiction	NASSAU NY
Township / Civil Division	HEMPSTEAD
Census Block Group	5
Census Block	5010
Census Tract	409900

Owner

12 Charles St is owner-occupied and held in a trust since December 2025.

Source: Nassau County and Hempstead Town records, as of June 17, 2026

Owner of Record	2 Trust Names on File
Mailing Address	12 CHARLES ST, VALLEY STREAM, NY 11580-2217
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Dec 10, 2025	Intrafamily Transfer, Transfer
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETHPAGE FCU
Jan 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Aug 6, 2018	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 8, 2025
Transfer Doc	D146980338
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NASSAU NY
Recording Date	Dec 10, 2025
Property Address	12 CHARLES ST, VALLEY STREAM, NY 11580-2217
Document Number	D146980338
Book / Page	D14698 / 338
Map Reference	MAP 577 CASE 3529
Instrument Date	Dec 8, 2025
Instrument	2025-79792
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 CHARLES ST, VALLEY STREAM, NY 11580-2217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CHARLES ST, VALLEY STREAM, NY 11580-2217

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU NY
Property Address	12 CHARLES ST, VALLEY STREAM, NY 11580-2217
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0459550014
Date	Oct 18, 2021
Book Page	45955/14
Instrument	2021-135768

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2051

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU NY
Property Address	12 CHARLES ST, VALLEY STREAM, NY 11580-2217
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0439720994
Date	Jan 24, 2020
Book Page	43972/994
Instrument	2020-008681

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 21, 2040

Interest

Rate Type	Fixed Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU NY
Property Address	12 CHARLES ST, VALLEY STREAM, NY 11580-2217
Document Number	0430320001
Instrument Date	Aug 6, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CHARLES ST VALLEY STREAM NY 115802217, VALLEY STREAM, NY 11580-2217

Mortgage

Document Number	0430320001
Date	Aug 31, 2018
Book Page	043032/000001
Instrument	78685

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12 Charles St was $9,812.

Source: Nassau County and Hempstead Town assessment roll, as of June 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Nassau County
County Subdivision	Hempstead Town
Elementary School District	Elmont Union Free School District (PK - 06)
Secondary School District	Sewanhaka Central High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$412 (-) Land $167 Building $245	$412,000 (-)
2025	$9,812.00 Senior Citizen's exemption	$412 Land $167 Building $245	$412,000
2023	$8,455.00 Homeowner's exemption	$412 Land $167 Building $245	$412,000

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

Flood

FEMA maps place 12 Charles St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective April 5, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1999)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1999 · rainfall accumulation

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 12 Charles St is low, with less than 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 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WA OF WESTERN NASSAU public/private · serves 120,000 people · EPA ID NY2902830
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 936 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Spectrum Cable	1,000 / 1,000

May also be available: Optimum, T-Mobile.

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