242 Cleft Rd, Mill Neck, NY 11765 Property Records

Nassau County and Oyster Bay Town property record for 242 Cleft Rd, Mill Neck, NY 11765

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,096 sqft · built 1977
Lot Size	0.396 acres (17,254 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (May 2020)
Tax Bill	$12,415 (2025)
Deeds & Mortgages	Jan 2023 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-00N-00-0228`

Property Details

APN / Parcel Number

Primary APN	`29-00N-00-0228`
Alternative APNs	`2900N000228000000000` `2425-29-N-00-0228-0` `282425 29.-N-228` `29 N 02280`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,096 sqft Living Area
Gross Area	3,580 sqft
1st Floor Area	1,204 sqft
Attic	Attic
Attic Area	640 sqft
Basement Area	84 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Cape Cod
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Other
Lot Area	17,254 sqft (0.396 acres)
Lot Dimensions	83 ft deep x 164 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	29 N 02280
Street Address	242 CLEFT RD
City	MILL NECK
State	NY
Zip	11765-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN #3 SCH DIST 009
Legal Block	N
Legal Lot Number	228
Jurisdiction	NASSAU NY
Township / Civil Division	OYSTER BAY
Census Block Group	3
Census Block	3002
Census Tract	517801

Owner

242 Cleft Rd is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	242 CLEFT RD, MILL NECK, NY 11765-1001
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 20, 2020	Executor's Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2020 · Amount on File
Deed Sale	May 20, 2020 · Amount on File
Deed Document Number	2020-040298
Deed Book / Page	13935 / 609
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU NY
Property Address	242 CLEFT RD, MILL NECK, NY 11765-1001
Transaction Type	Mortgage
Record Updated	Jan 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	242 CLEFT RD, MILL NECK, NY 11765-1001

Mortgage

Document Number	M470120126
Date	Jan 11, 2023
Book Page	M47012/126
Instrument	2023-2827

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Jun 1, 2050

May 2020: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	NASSAU NY
Recording Date	May 20, 2020
Property Address	242 CLEFT RD, MILL NECK, NY 11765-1001
Document Number	0139350609
Book / Page	13935 / 609
Instrument Date	May 1, 2020
Instrument	2020-040298
Transaction Type	Transfer
Record Updated	May 14, 2021
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,120.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	124 BAYVILLE AVE, 124, BAYVILLE, NY 11709-1606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	242 CLEFT RD, MILL NECK, NY 11765-1001

Mortgage

Document Number	2020040299
Date	May 20, 2020
Instrument	2020-040299

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 242 Cleft Rd was $12,415 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	New York
County	Nassau County
County Subdivision	Oyster Bay Town
Municipality	Mill Neck Village
Unified School District	Oyster Bay-East Norwich Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$926 Land $348 Building $578	$926,000
2025	$12,415.00
2023	$9,583.00 Additional exemption filed	$702 Land $308 Building $394	$702,000

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.

Flood

FEMA maps place 242 Cleft Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1992.

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	4 (1992–2012)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Oct 2012 · Hurricane Sandy

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 242 Cleft Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
Optimum Cable · Fiber in parts of the area	940 / 35

May also be available: T-Mobile.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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