20 Covered Bridge Ln, Jay, NY 12941 Property Records

Essex County and Jay Town property record for 20 Covered Bridge Ln, Jay, NY 12941

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 835 sqft · built 1940
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Jun 2024)
Tax Bill	$4,049 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2024 Sale & Mortgage
APN	`615J104405`

Property Details

APN / Parcel Number

Primary APN	`615J104405`
Alternative APNs	`280002701000040210000000` `152800 27.10-4-21.000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	835 sqft Living Area
Gross Area	692 sqft
1st Floor Area	692 sqft
Upper Floors Area	143 sqft
Attic	Attic
Attic Area	143 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	43,560 sqft (1 acres)
Porch	Porch
Porch Area	66 sqft
Canopy	320 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	615J104405
Street Address	20 COVERED BRIDGE LN
City	JAY
State	NY
Zip	12941-5601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	1 & 2 PLATT & ROGERS
Legal Block	4
Legal Lot Number	21.000
Jurisdiction	ESSEX NY
Township / Civil Division	JAY
Census Block Group	2
Census Block	2039
Census Tract	960200

Owner

20 Covered Bridge Ln is owned by an individual who bought it in June 2024.

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

Owner of Record	Individual Name on File
Mailing Address	100 PARROTT DR, 211, SHELTON, CT 06484-4786
Owner Type	Individual
Vesting	Individual(s)

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
Apr 14, 2026	Deed of Trust, Mortgage COMMUNITY BANK LENA
Jun 25, 2024	Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2024 · Amount on File
Deed Sale	Jun 25, 2024 · Amount on File
Prior Sale	Nov 30, 2007 · Amount on File
Deed Document Number	20242099
Deed Book / Page	2168 / 283
Prior Transfer Date	Nov 1, 2007
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NY
Recording Date	Apr 14, 2026
Property Address	20 COVERED BRIDGE LN, JAY, NY 12941-5601
Document Number	0020261444
Instrument Date	Apr 3, 2026
Instrument	20261444
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 COVERED BRIDGE LN, JAY, NY 12941-5601

Mortgage

Document Number	0000001444,
Date	Apr 14, 2026
Instrument	20261444

Lender

Name	COMMUNITY BANK LENA

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

June 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NY
Recording Date	Jun 25, 2024
Property Address	20 COVERED BRIDGE LN, JAY, NY 12941-5601
Document Number	002168/283
Book / Page	2168 / 283
Instrument Date	Jun 3, 2024
Instrument	2024-2099
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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
Address	100 PARROTT DR UNIT 211, 211, SHELTON, CT 06484-4786

Mortgage

Document Number	0020242100
Date	Jun 25, 2024
Instrument	2024-2100

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 20 Covered Bridge Ln was $4,049, 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	$4,049.00 (+0.6%)
2025	$4,025.00	$199,300 Land $78,000 Building $121,300	$199,300 Land $78,000 Building $121,300
2023		$129,200 (+42.6%) Land $64,000 Building $65,200	$129,200 (+42.6%) Land $64,000 Building $65,200
2022	$1,351.00	$90,600 Land $36,000 Building $54,600	$90,600 Land $36,000 Building $54,600
2020	$2,218.00

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

Flood

FEMA has no flood map on file for 20 Covered Bridge Ln; there have been 97 flood claims nearby since 1979.

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 File 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

Wildfire risk around 20 Covered Bridge Ln 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-KITZBUHL private · serves 100 people · EPA ID NY1503497
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	4 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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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