45 Cayuga Trl, Jay, NY 12941 Property Records

Essex County and Jay Town property record for 45 Cayuga Trl, Jay, NY 12941

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,352 sqft · built 2022
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Jul 2026)
Tax Bill	$8,799 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2021 Refinance + 1 more
APN	`615K175051`

Property Details

APN / Parcel Number

Primary APN	`615K175051`
Alternative APNs	`280001702200020090000000` `152800 17.22-2-9.000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,352 sqft Living Area
1st Floor Area	676 sqft
2nd Floor Area	676 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	39,204 sqft (0.9 acres)
Porch	Slab
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	615K175051
Street Address	45 CAYUGA TRL
City	JAY
State	NY
Zip	12941-2510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	152 JAY TRACT 165S X 261S X IRR
Legal Block	2
Legal Lot Number	9.000
Jurisdiction	ESSEX NY
Township / Civil Division	JAY
Census Block Group	1
Census Block	1009
Census Tract	960200

Owner

Source: Essex County and Jay 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	Individual Name on Record
Mailing Address	45 CAYUGA TRL, JAY, NY 12941-2510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Warranty Deed, Transfer · Conventional Mortgage FARMERS BANK
Dec 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU
Dec 9, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Prior Sale	Sep 9, 2009 · Amount on Record
Deed Document Number	20262449
Deed Book / Page	2244 / 93
Prior Transfer Date	Dec 1, 2021
Prior Transfer Doc	002063/107
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NY
Recording Date	Jul 1, 2026
Property Address	45 CAYUGA TRL, JAY, NY 12941-2510
Document Number	0000002449
Book / Page	2244 / 93
Instrument Date	Jun 16, 2026
Instrument	20262449
Transaction Type	Transfer
Record Updated	Jul 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	45 CAYUGA TRL, JAY, NY 12941-2510

Mortgage

Date	Jul 1, 2026

Lender

Name	FARMERS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.51%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NY
Property Address	45 CAYUGA TRL, JAY, NY 12941-2510
Transaction Type	Mortgage
Record Updated	Mar 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020216475
Date	Dec 9, 2021
Instrument	2021-6475

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	205 Months
Due	Jan 1, 2039

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NY
Recording Date	Dec 9, 2021
Property Address	45 CAYUGA TRL, JAY, NY 12941-2510
Document Number	002063/107
Book / Page	2063 / 107
Instrument Date	Dec 1, 2021
Instrument	2021-6474
Transaction Type	Transfer
Record Updated	Mar 18, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 CAYUGA TRL, JAY, NY 12941-2510

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
2026	$8,799.00 (+0.65%)
2025	$8,742.00 (+4,895.43%)	$459,700 (+33.63%) Land $184,100 Building $275,600	$459,700 (+33.63%) Land $184,100 Building $275,600
2023		$344,000 (+2,815.25%) Land $115,000 Building $229,000	$344,000 (+2,815.25%) Land $115,000 Building $229,000
2022	$175.00 (-80.6%)	$11,800 Land $10,000 Building $1,800	$11,800 Land $10,000 Building $1,800
2020	$902.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 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

No cell data coverage reported

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