Nassau County and Hempstead Town property record for 427 Ray St, Freeport, NY 11520
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,392 sqft · built 1954 |
| Lot Size | 0.126 acres (5,475 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $246,000 (Feb 2013) |
| Tax Bill | $7,102 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-316-00-0141 |
| Primary APN | 54-316-00-0141 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,392 sqft Living Area |
| Gross Area | 1,700 sqft |
| 1st Floor Area | 910 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Cape Cod |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 5,475 sqft (0.126 acres) |
| Lot Dimensions | 75 ft deep x 73 ft wide |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Balcony Area | 11 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 54316 01410 |
|---|---|
| Street Address | 427 RAY ST |
| City | FREEPORT |
| State | NY |
| Zip | 11520-5228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TOWN #1 SCH DIST 009 |
| Legal Block | 316 |
| Legal Lot Number | 141 |
| Jurisdiction | NASSAU NY |
| Township / Civil Division | HEMPSTEAD |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 414501 |
427 Ray St is owned and occupied by two individuals who bought it in February 2013.
Source: Nassau County and Hempstead Town records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 427 RAY ST, FREEPORT, NY 11520-5228 |
| 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.
| Date | Document |
|---|---|
| Feb 18, 2026 | Deed of Trust, Mortgage · Line of Credit JOVIA FINANCIAL FCU |
| Nov 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NASSAU EDUCATORS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2013 · Amount on File |
| Deed Sale | Feb 4, 2013 · Amount on File |
| Deed Document Number | 20131216 |
| Deed Book / Page | 12913 / 744 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 427 RAY ST, FREEPORT, NY 11520-5228 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 427 RAY ST, FREEPORT, NY 11520-5228 |
| Document Number | M483400302 |
|---|---|
| Date | Feb 18, 2026 |
| Book Page | M48340/302 |
| Instrument | 2026-10685 |
| Name | JOVIA FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | WESTBURY, NY 11590 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 17, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 427 RAY ST, FREEPORT, NY 11520-5228 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0431610102 |
|---|---|
| Date | Nov 19, 2018 |
| Book Page | 43161/102 |
| Instrument | 2018-103250 |
| Name | NASSAU EDUCATORS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 427 Ray St was $7,102 with a senior citizen's exemption.
Source: Nassau County and Hempstead Town assessment roll, as of June 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Nassau County |
| County Subdivision | Hempstead Town |
| Municipality | Freeport Village |
| Unified School District | Freeport Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $371 Land $158 Building $213 | $371,000 | |
| 2025 | $7,102.00 | ||
| 2023 | $6,215.00 Homeowner's exemption | $371 Land $158 Building $213 | $371,000 |
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.
FEMA maps place 427 Ray St in Zone X, an area of minimal flood risk, though there have been 391 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 157 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 157 in force |
| Nearby Flood Claims | 391 (1979–2024) |
| Claims Outside the SFHA | 41 of 391 |
| Most Recent Claim | Jan 2024 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 427 Ray St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | FREEPORT (V) serves 45,000 people · EPA ID NY2902823 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 702 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures