18 Elm St, Jay, NY 12941 Property Records

Essex County and Jay Town property record for 18 Elm St, Jay, NY 12941

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,300 sqft · built 1978
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Jan 2023)
Tax Bill	$4,808 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
APN	`615J103904`

Property Details

APN / Parcel Number

Primary APN	`615J103904`
Alternative APNs	`280001703200040030000000` `152800 17.32-4-3.000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	950 sqft
Upper Floors Area	350 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Cape Cod
Exterior Material	Wood
Foundation Type	Raised
Lot Area	39,204 sqft (0.9 acres)
Garage Type	Detached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	694 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	615J103904
Street Address	18 ELM ST
City	JAY
State	NY
Zip	12941-2320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	150 JAY TRACT
Legal Block	4
Legal Lot Number	3.000
Jurisdiction	ESSEX NY
Township / Civil Division	JAY
Census Block Group	1
Census Block	1033
Census Tract	960200

Owner

18 Elm St is owned by two individuals who bought it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	104 S LINCOLN AVE, LIVERPOOL, NY 13088-4316
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2023 · Amount on File
Deed Sale	Jan 10, 2023 · Amount on File
Prior Sale	Sep 3, 1996 · Amount on File
Deed Document Number	2023119
Deed Book / Page	2113 / 65
Prior Transfer Date	Jun 14, 2012
Prior Transfer Doc	1700000097
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NY
Recording Date	Jan 10, 2023
Property Address	18 ELM ST, JAY, NY 12941-2320
Document Number	0002113/65
Book / Page	2113 / 65
Instrument Date	Jan 6, 2023
Instrument	2023-119
Transaction Type	Transfer
Record Updated	Jan 31, 2023

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	104 S LINCOLN AVE, LIVERPOOL, NY 13088-4316

Mortgage

Document Number	0002023120
Date	Jan 10, 2023
Instrument	2023-120

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 18 Elm St was $4,808, up 0.6% 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	$4,808.00 (+0.65%)
2025	$4,777.00	$251,200 Land $184,100 Building $67,100	$251,200 Land $184,100 Building $67,100
2023		$230,000 (+39.06%) Land $115,000 Building $115,000	$230,000 (+39.06%) Land $115,000 Building $115,000
2022	$2,466.00	$165,400 Land $57,000 Building $108,400	$165,400 Land $57,000 Building $108,400
2020	$6,661.00

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 18 Elm St; 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 18 Elm St 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.

Drinking Water

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

Water System	FOREVER WILD WATER CO-SIGNOR private · serves 900 people · EPA ID NY1500280
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 74 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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