Essex County and Jay Town property record for 38 Cayuga Trl, Jay, NY 12941
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 672 sqft · built 1978 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (May 2018) |
| Tax Bill | $5,589 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage May 2018 Mortgage + 1 more |
| APN | 615J174087 |
| Primary APN | 615J174087 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 672 sqft Living Area |
| Gross Area | 840 sqft |
| 1st Floor Area | 560 sqft |
| Upper Floors Area | 280 sqft |
| Attic | Attic |
| Attic Area | 112 sqft |
| Basement Area | 560 sqft |
| Finished Basement | 560 sqft |
| Unfinished Basement | 560 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Lot Area | 39,204 sqft (0.9 acres) |
| Porch | Slab |
| Porch Area | 240 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 615J174087 |
|---|---|
| Street Address | 38 CAYUGA TRL |
| City | JAY |
| State | NY |
| Zip | 12941-2511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | JAY TRACT LOT 152 L EST DM & EM NASHOLDS BY DB 1048 PG 217 |
| Legal Block | 2 |
| Legal Lot Number | 11.000 |
| Jurisdiction | ESSEX NY |
| Township / Civil Division | JAY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 960200 |
Source: Essex County and Jay Town records · APN 615J174087
Assessment roll updated April 28, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38 CAYUGA TRL, JAY, NY 12941-2511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 09, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| May 21, 2018 | Deed of Trust, Mortgage ADVISORS MORTGAGE GROUP LLC |
| May 21, 2018 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 21, 2018 · Amount on Record |
| Deed Sale | May 21, 2018 · Amount on Record |
| Deed Document Number | 20182004 |
| Deed Book / Page | 1914 / 127 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NY |
| Property Address | 38 CAYUGA TRL, JAY, NY 12941-2511 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20205482 |
|---|---|
| Date | Dec 09, 2020 |
| Instrument | 2020-5482 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NY |
| Property Address | 38 CAYUGA TRL, JAY, NY 12941-2511 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002509/0000000284 |
|---|---|
| Date | May 21, 2018 |
| Book Page | 0000002509/0000000284 |
| Instrument | 2018-2005 |
| Name | ADVISORS MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 356 Months |
| Due | Jan 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESSEX NY |
| Recording Date | May 21, 2018 |
| Property Address | 38 CAYUGA TRL, JAY, NY 12941-2511 |
| Document Number | 001914/127 |
| Book / Page | 1914 / 127 |
| Instrument Date | Apr 23, 2018 |
| Instrument | 2018-2004 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305, BROOKLYN, NY 11225 |
Source: Essex County and Jay Town records · Assessment roll updated April 28, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Essex County |
| County Subdivision | Jay Town |
| Unified School District | AuSable Valley Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,589.00 (+146.75%) | $293,900 (+61.66%) Land $184,100 Building $109,800 | $293,900 (+61.66%) Land $184,100 Building $109,800 |
| 2023 | $181,800 (+19.68%) Land $115,000 Building $66,800 | $181,800 (+19.68%) Land $115,000 Building $66,800 | |
| 2022 | $2,265.00 (-28.19%) | $151,900 Land $57,000 Building $94,900 | $151,900 Land $57,000 Building $94,900 |
| 2020 | $3,154.00 |
Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 9 (1981–2018) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Jan 2018 · tidal / storm surge |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 48 locations within half a mile of this property.
No cell data coverage reported
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FOREVER WILD WATER CO-SIGNOR private · serves 900 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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