Essex County and North Elba Town property record for 321 Ray Brook Rd, Ray Brook, NY 12977
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 720 sqft · built 1975 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $103,000 (Apr 2022) |
| Tax Bill | $2,274 (2026) |
| Deeds & Mortgages | Oct 2022 Mortgage Apr 2022 Sale & Mortgage + 1 more |
| APN | 154089 41.7-1-8.000 |
| Primary APN | 154089 41.7-1-8.000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Basement |
| Porch | Patio |
| Porch Area | 99 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 675J174025 |
|---|---|
| Street Address | 321 RAY BROOK RD |
| City | RAY BROOK |
| State | NY |
| Zip | 12977 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 75 RS TWP 11 OMT 174.79 X 134.2 X 203.54 |
| Legal Block | 1 |
| Legal Lot Number | 8.000 |
| Jurisdiction | ESSEX NY |
| Township / Civil Division | NORTH ELBA |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 960502 |
Source: Essex County and North Elba Town records, as of October 20, 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 | PO BOX 28, BLOOMINGDALE, NY 12913-0028 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 12, 2022 | Deed of Trust, Mortgage · ARM NORTH COUNTRY SAVINGS BANK |
| Apr 8, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH COUNTRY SAVINGS BANK |
| Apr 5, 2018 | Executor's Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2022 · Amount on Record |
| Deed Sale | Apr 8, 2022 · Amount on Record |
| Deed Document Number | 20221765 |
| Deed Book / Page | 2078 / 257 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NY |
| Property Address | 321 RAY BROOK RD, RAY BROOK, NY 12977 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020224880 |
|---|---|
| Date | Oct 12, 2022 |
| Instrument | 2022-4880 |
| Name | NORTH COUNTRY SAVINGS BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Dec 1, 2023 |
| Index | Other |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESSEX NY |
| Recording Date | Apr 8, 2022 |
| Property Address | 321 RAY BROOK RD, RAY BROOK, NY 12977 |
| Document Number | 002078/257 |
| Book / Page | 2078 / 257 |
| Instrument Date | Mar 15, 2022 |
| Instrument | 2022-1765 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | PO BOX 28, BLOOMINGDALE, NY 12913-0028 |
| Document Number | 0020221766 |
|---|---|
| Date | Apr 8, 2022 |
| Instrument | 2022-1766 |
| Name | NORTH COUNTRY SAVINGS BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | ESSEX NY |
| Recording Date | Apr 5, 2018 |
| Property Address | 321 RAY BROOK RD, RAY BROOK, NY 12977 |
| Document Number | 001909/163 |
| Book / Page | 1909 / 163 |
| Instrument Date | Mar 26, 2018 |
| Instrument | 2018-1384 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 9 WHITESLANDS WAY, LITTLE SILVER, NJ 07739-1240 |
Source: Essex County and North Elba Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Essex County |
| County Subdivision | North Elba Town |
| Unified School District | Saranac Lake Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,274.00 (-43.56%) | ||
| 2025 | $4,029.00 (+441.53%) | $173,000 (+1.82%) Land $39,800 Building $133,200 | $173,000 (+1.82%) Land $39,800 Building $133,200 |
| 2023 | $169,900 (+27.84%) Land $49,100 Building $120,800 | $169,900 (+27.84%) Land $49,100 Building $120,800 | |
| 2022 | $744.00 (-59.37%) | $132,900 Land $46,300 Building $86,600 | $132,900 Land $46,300 Building $86,600 |
| 2020 | $1,831.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | ADIRONDACK CORRECTIONAL FACILITY state or territorial government · serves 2,400 people · EPA ID NY1510497 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2019 |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures