Nassau County and Hempstead Town property record for 187 Ray St, Freeport, NY 11520
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,266 sqft · built 1905 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Nov 2009) |
| Tax Bill | $9,216 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 62-169-00-0003 |
| Primary APN | 62-169-00-0003 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,266 sqft Living Area |
| Gross Area | 2,324 sqft |
| 1st Floor Area | 846 sqft |
| Basement Area | 40 sqft |
| Game Room | Game Room |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 9,000 sqft (0.207 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Frame Porch |
| Porch Area | 333 sqft |
| Balcony Area | 18 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 62169 00030 |
|---|---|
| Street Address | 187 RAY ST |
| City | FREEPORT |
| State | NY |
| Zip | 11520-5607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TOWN #1 SCH DIST 009 |
| Legal Block | 169 |
| Legal Lot Number | 3 |
| Jurisdiction | NASSAU NY |
| Township / Civil Division | HEMPSTEAD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 414502 |
187 Ray St is owned and occupied by two individuals who acquired it in July 2011.
Source: Nassau County and Hempstead Town records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 187 RAY ST, FREEPORT, NY 11520-5607 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2009 · Amount on File |
| Deed Sale | Nov 25, 2009 · Amount on File |
| Prior Sale | Dec 2, 2008 · Amount on File |
| Deed Document Number | 200901844 |
| Deed Book / Page | 12563 / 762 |
| Last Transfer Date | Jul 7, 2011 |
| Transfer Doc | 0127830353 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 187 RAY ST, FREEPORT, NY 11520-5607 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0452240470 |
|---|---|
| Date | Apr 2, 2021 |
| Book Page | 45224/470 |
| Instrument | 2021-043452 |
| Name | CARDINAL FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2035 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 187 Ray St was $9,216 with a senior citizen's exemption.
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 | Freeport Village |
| Unified School District | Freeport Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $497 (+5.97%) Land $201 Building $296 | $501,000 (+6.82%) | |
| 2025 | $9,216.00 Senior Citizen's exemption | $469 Land $188 Building $281 | $469,000 |
| 2023 | $8,801.00 Homeowner's exemption | $501 Land $201 Building $300 | $501,000 |
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.
FEMA maps place 187 Ray St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 5, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 415 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 415 in force |
| Nearby Flood Claims | 1,330 (1978–2024) |
| Claims Outside the SFHA | 35 of 1,330 |
| Most Recent Claim | Jan 2024 · river or lake 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.
Wildfire risk around 187 Ray 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FREEPORT (V) serves 45,000 people · EPA ID NY2902823 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 670 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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