Nassau County and Hempstead Town property record for 186 E Chester St, Valley Stream, NY 11580
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,462 sqft · built 1951 |
| Lot Size | 0.092 acres (4,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $775,000 (Aug 2025) |
| Tax Bill | $9,720 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Jul 2023 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 37-009-00-0038 |
| Primary APN | 37-009-00-0038 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,462 sqft Living Area |
| Gross Area | 1,642 sqft |
| 1st Floor Area | 542 sqft |
| Basement Area | 6 sqft |
| Game Room | Game Room |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Old Style |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Other |
| Lot Area | 4,000 sqft (0.092 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| Garage Type | Attached |
| Garage Area | 180 sqft |
| Porch | Open Frame Porch |
| Canopy | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 37009 00380 |
|---|---|
| Street Address | 186 E CHESTER ST |
| City | VALLEY STREAM |
| State | NY |
| Zip | 11580-4230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 38-39 |
| Legal Block | 9 |
| Legal Lot Number | 38-39 |
| Jurisdiction | NASSAU NY |
| Township / Civil Division | HEMPSTEAD |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 410600 |
Source: Nassau County and Hempstead Town records, as of June 26, 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 Record |
|---|---|
| Mailing Address | 79 LYON ST, VALLEY STREAM, NY 11580-3517 |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Apr 9, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jul 3, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 20, 2017 | Loan Modification, Mortgage · FHA Mortgage MID-ISLAND MTG |
| Jun 20, 2017 | Loan Modification, Mortgage · FHA Mortgage MID-ISLAND MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2025 · Amount on Record |
| Deed Sale | Aug 7, 2025 · Amount on Record |
| Prior Sale | Sep 25, 2015 · Amount on Record |
| Deed Document Number | 202549452 |
| Deed Book / Page | D14652 / 998 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 186 E CHESTER ST, VALLEY STREAM, NY 11580-4230 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 186 E CHESTER ST, VALLEY STREAM, NY 11580-4230 |
| Document Number | M474920747 |
|---|---|
| Date | Apr 9, 2024 |
| Book Page | M47492/747 |
| Instrument | 2024-21707 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 186 E CHESTER ST, VALLEY STREAM, NY 11580-4230 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 186 E CHESTER ST, VALLEY STREAM, NY 11580-4230 |
| Document Number | M471970718 |
|---|---|
| Date | Jul 3, 2023 |
| Book Page | M47197/718 |
| Instrument | 2023-38754 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Jul 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 186 E CHESTER ST, VALLEY STREAM, NY 11580-4230 |
| Document Number | 0422800226 |
| Book / Page | 042280 / 000226 |
| Instrument Date | Jun 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 186 E CHESTER ST VALLEY STREAM NY 115804230, VALLEY STREAM, NY 11580-4230 |
| Document Number | 0422800226 |
|---|---|
| Date | Aug 1, 2017 |
| Book Page | 042280/000226 |
| Instrument | 75032 |
| Name | MID-ISLAND MTG |
|---|---|
| Type | Mortgage Company |
| Address | WESTBURY, NY 11590 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 186 E CHESTER ST, VALLEY STREAM, NY 11580-4230 |
| Document Number | 0425040234 |
| Book / Page | 042504 / 000234 |
| Instrument Date | Jun 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 186 E CHESTER ST VALLEY STREAM NY 115804230, VALLEY STREAM, NY 11580-4230 |
| Document Number | 0425040234 |
|---|---|
| Date | Nov 16, 2017 |
| Book Page | 042504/000234 |
| Instrument | 113375 |
| Name | MID-ISLAND MTG |
|---|---|
| Type | Mortgage Company |
| Address | WESTBURY, NY 11590 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 15, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
Source: Nassau County and Hempstead Town assessment roll, as of June 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Nassau County |
| County Subdivision | Hempstead Town |
| Municipality | Valley Stream Village |
| Elementary School District | Valley Stream Union Free School District 13 (PK - 06) |
| Secondary School District | Valley Stream Central High School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $499 (-) Land $183 Building $316 | $499,000 (-) | |
| 2025 | $9,720.00 (+8.74%) | $499 (-) Land $183 Building $316 | $499,000 (-) |
| 2023 | $8,939.00 Additional exemption filed | $499 Land $183 Building $316 | $499,000 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 14 (1996–2023) |
| Claims Outside the SFHA | 7 of 14 |
| Most Recent Claim | Sep 2023 · Severe Storm And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | LIBERTY UTILITIES NEW YORK - LYNBROOK private · serves 220,000 people · EPA ID NY2902835 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 5 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2025 |
| 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.
Source: FCC Broadband Data Collection, based on 930 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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