41 Elm St, Jay, NY 12941 Property Records

Essex County and Jay Town property record for 41 Elm St, Jay, NY 12941

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,459 sqft · built 1981
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Aug 2022)
Tax Bill	$7,232 (2025)
Deeds & Mortgages	Aug 2022 Sale Feb 2020 Sale & Mortgage
APN	`615J101006`

Property Details

APN / Parcel Number

Primary APN	`615J101006`
Alternative APNs	`280001703200030120000000` `152800 17.32-3-12.000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,459 sqft Living Area
1st Floor Area	2,459 sqft
Basement Area	690 sqft
Finished Basement	690 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	191 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	1,189 sqft
Shed	1 Shed
Shed Area	216 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	615J101006
Street Address	41 ELM ST
City	JAY
State	NY
Zip	12941-2321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	151 JAY TRACT
Legal Block	3
Legal Lot Number	12.000
Jurisdiction	ESSEX NY
Township / Civil Division	JAY
Census Block Group	1
Census Block	1034
Census Tract	960200

Owner

Source: Essex County and Jay Town records, as of April 28, 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 Record
Mailing Address	41 ELM ST, JAY, NY 12941-2321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Warranty Deed, Transfer
Feb 27, 2020	Warranty Deed, Transfer · FHA Mortgage OWNERS CHOICE FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2022 · Amount on Record
Deed Sale	Aug 15, 2022 · Amount on Record
Prior Sale	Feb 27, 2020 · Amount on Record
Deed Document Number	20223742
Deed Book / Page	2093 / 324
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NY
Recording Date	Aug 15, 2022
Property Address	41 ELM ST, JAY, NY 12941-2321
Document Number	002093/324
Book / Page	2093 / 324
Instrument Date	Aug 10, 2022
Instrument	2022-3742
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Amount	Amount Recorded
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	1206 SW 18TH AVE, CAPE CORAL, FL 33991-2345

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NY
Recording Date	Feb 27, 2020
Property Address	41 ELM ST, JAY, NY 12941-2321
Document Number	0001982/79
Book / Page	1982 / 79
Instrument Date	Feb 25, 2020
Instrument	2020-825
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	36 CHURCH ST, KEESEVILLE, NY 12944-1224

Mortgage

Document Number	0002020826
Date	Feb 27, 2020
Instrument	2020-826

Lender

Name	OWNERS CHOICE FUNDING INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0001982/79
Date	Feb 27, 2020
Book Page	1982/79
Instrument	2020-825

Lender

Name	OWNERS CHOICE FUNDING INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

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
2025	$7,232.00 (+59.08%)	$380,300 (+13.52%) Land $184,100 Building $196,200	$380,300 (+13.52%) Land $184,100 Building $196,200
2023		$335,000 (+9.87%) Land $115,000 Building $220,000	$335,000 (+9.87%) Land $115,000 Building $220,000
2022	$4,546.00 (-38.25%)	$304,900 Land $57,000 Building $247,900	$304,900 Land $57,000 Building $247,900
2020	$7,362.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 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	Hurricane Irene, Aug 2011 · 2 claims Severe Storms High Winds, Rain And Flooding, Nov 1996 · 3 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

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-SIGNOR private · serves 900 people · EPA ID NY1500280
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	3 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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