Nassau County and Oyster Bay Town property record for 45 Spruce Ave, Bethpage, NY 11714
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,312 sqft · built 1947 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $16,510 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit May 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 46-158-00-0017 |
| Primary APN | 46-158-00-0017 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,312 sqft Living Area |
| Gross Area | 2,543 sqft |
| 1st Floor Area | 952 sqft |
| Game Room | Game Room |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 360 sqft |
|---|---|
| Porch | Open Frame Porch |
| Porch Area | 170 sqft |
| Patio Area | 528 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 46158 00170 |
|---|---|
| Street Address | 45 SPRUCE AVE |
| City | BETHPAGE |
| State | NY |
| Zip | 11714-1328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TOWN #3 SCH DIST 021 |
| Legal Subdivision | CENTRAL PK ESTS |
| Legal Block | 158 |
| Legal Lot Number | 17 |
| Jurisdiction | NASSAU NY |
| Township / Civil Division | OYSTER BAY |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 519900 |
45 Spruce Ave is owned and occupied by two individuals.
Source: Nassau County and Oyster Bay Town records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 SPRUCE AVE, BETHPAGE, NY 11714-1328 |
| 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 |
|---|---|
| May 29, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| May 29, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Oct 18, 2017 | Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Recording Date | May 29, 2026 |
| Property Address | 45 SPRUCE AVE, BETHPAGE, NY 11714-1328 |
| Document Number | 0000035014 |
| Book / Page | 48489 / 380 |
| Instrument Date | May 20, 2026 |
| Instrument | 202635014 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | CHICAGO LAND TITLE INSURANCE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 45 SPRUCE AVE, BETHPAGE, NY 11714-1328 |
| Document Number | 0000035014, |
|---|---|
| Date | May 29, 2026 |
| Book Page | 48489/380 |
| Instrument | 202635014 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Adjustable Rate |
| Change Frequency | Monthly |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Recording Date | May 29, 2026 |
| Property Address | 45 SPRUCE AVE, BETHPAGE, NY 11714-1328 |
| Document Number | 0000035013 |
| Book / Page | 48489 / 374 |
| Instrument Date | May 20, 2026 |
| Instrument | 202635013 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | CHICAGO LAND TITLE INSURANCE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 45 SPRUCE AVE, BETHPAGE, NY 11714-1328 |
| Document Number | 0000035013, |
|---|---|
| Date | May 29, 2026 |
| Book Page | 48489/374 |
| Instrument | 202635013 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Adjustable Rate |
| Change Frequency | Monthly |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 45 SPRUCE AVE, BETHPAGE, NY 11714-1328 |
| Document Number | 0425870536 |
| Instrument Date | Oct 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Name | Verified Name |
|---|---|
| Address | 45 SPRUCE AVE BETHPAGE NY 117141328, BETHPAGE, NY 11714-1328 |
| Document Number | 0425870536 |
|---|---|
| Date | Dec 28, 2017 |
| Book Page | 042587/000536 |
| Instrument | 128539 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Address | BETHPAGE, NY 11714 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 27, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 45 Spruce Ave was $16,510 with a veteran's exemption.
Source: Nassau County and Oyster Bay Town assessment roll, as of June 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Nassau County |
| County Subdivision | Oyster Bay Town |
| Unified School District | Bethpage Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $613 Land $286 Building $327 | $613,000 | |
| 2025 | $16,510.00 | ||
| 2023 | $14,495.00 Disabled Person's exemption Veteran's exemption | $625 Land $291 Building $334 | $625,000 |
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 45 Spruce Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Jan 1979 · rainfall accumulation |
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 risk around 45 Spruce Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | BETHPAGE WD serves 33,000 people · EPA ID NY2902817 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2021–2023) 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 567 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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