Nassau County and Hempstead Town property record for 434 Ray St, Freeport, NY 11520
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,299 sqft · built 1938 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Dec 2017) |
| Tax Bill | $7,207 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Jul 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-312-00-0146 |
| Primary APN | 54-312-00-0146 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,299 sqft Living Area |
| 1st Floor Area | 928 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 4,800 sqft (0.11 acres) |
| Lot Dimensions | 100 ft deep x 48 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 54312 01460 |
|---|---|
| Street Address | 434 RAY ST |
| City | FREEPORT |
| State | NY |
| Zip | 11520-5229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TOWN #1 SCH DIST 009 |
| Legal Block | 312 |
| Legal Lot Number | 146 |
| Jurisdiction | NASSAU NY |
| Township / Civil Division | HEMPSTEAD |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 414501 |
434 Ray St is owned and occupied by two individuals who bought it in December 2017.
Source: Nassau County and Hempstead Town records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 434 RAY ST, FREEPORT, NY 11520-5229 |
| 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 |
|---|---|
| Aug 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Jul 30, 2020 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Dec 21, 2017 | Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2017 · Amount on File |
| Deed Sale | Dec 21, 2017 · Amount on File |
| Deed Document Number | 2017126942 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 434 RAY ST, FREEPORT, NY 11520-5229 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | COMMONWEALTH LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0444650889 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 44465/889 |
| Instrument | 2020-073948 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 434 RAY ST, FREEPORT, NY 11520-5229 |
| Document Number | 0445440428 |
| Instrument Date | Jul 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 434 RAY ST FREEPORT NY 115205229, FREEPORT, NY 11520-5229 |
| Document Number | 0445440428 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | 044544/000428 |
| Instrument | 84587 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 14, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NASSAU NY |
| Recording Date | Dec 21, 2017 |
| Property Address | 434 RAY ST, FREEPORT, NY 11520-5229 |
| Document Number | 0136000785 |
| Book / Page | 013600 / 000785 |
| Instrument Date | Dec 14, 2017 |
| Instrument | 126942 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,240.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 567 LANGLEY AVE WEST HEMPSTEAD NY 115522925, WEST HEMPSTEAD, NY 11552-2925 |
| Document Number | 425790001 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 042579/000001 |
| Instrument | 126943 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2047 |
The 2025 property tax bill for 434 Ray St was $7,207.
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 | $339 Land $139 Building $200 | $339,000 | |
| 2025 | $7,207.00 | ||
| 2023 | $7,102.00 Additional exemption filed | $348 Land $170 Building $178 | $348,000 |
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 434 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 434 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