46 Ayers Rd, Locust Valley, NY 11560 Property Records

Nassau County and Oyster Bay Town property record for 46 Ayers Rd, Locust Valley, NY 11560

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,745 sqft · built 2002
Lot Size	0.391 acres (17,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,425,000 (Jan 2008)
Tax Bill	$25,543 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-R01-00-0260`

Property Details

APN / Parcel Number

Primary APN	`29-R01-00-0260`
Alternative APNs	`2900R010260000000000` `2489-29-R-01-0260-0` `282489 29.-R01-260` `29 R0102600`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,745 sqft Living Area
Gross Area	4,273 sqft
1st Floor Area	1,693 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Stucco
Lot Area	17,019 sqft (0.391 acres)
Lot Dimensions	122 ft deep x 143 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	900 sqft
Porch	Open Frame Porch
Porch Area	105 sqft
Patio Area	160 sqft
Balcony Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	29 R0102600
Street Address	46 AYERS RD
City	LOCUST VALLEY
State	NY
Zip	11560-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN #3 SCH DIST 004
Legal Block	R01
Legal Lot Number	260
Jurisdiction	NASSAU NY
Township / Civil Division	OYSTER BAY
Census Block Group	1
Census Block	1012
Census Tract	517802

Owner

Source: Nassau County and Oyster Bay Town records, as of June 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	46 AYERS RD, LOCUST VALLEY, NY 11560-2306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
Dec 10, 2016	Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK
Dec 10, 2016	Loan Modification, Consolidation and Extension, Mortgage · Line of Credit JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2008 · Amount on Record
Deed Sale	Jan 29, 2008 · Amount on Record
Prior Sale	Feb 11, 2003 · Amount on Record
Deed Book / Page	12362 / 82
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU NY
Property Address	46 AYERS RD, LOCUST VALLEY, NY 11560-2306
Transaction Type	Mortgage
Record Updated	Apr 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0451300609
Date	Mar 16, 2021
Book Page	45130/609
Instrument	2021-033137

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU NY
Property Address	46 AYERS RD, LOCUST VALLEY, NY 11560-2306
Transaction Type	Mortgage
Record Updated	Apr 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0451300591
Date	Mar 16, 2021
Book Page	45130/591
Instrument	2021-033136

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU NY
Property Address	46 AYERS RD, LOCUST VALLEY, NY 11560-2306
Document Number	0423440783
Instrument Date	Dec 10, 2016
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 AYERS RD LOCUST VALLEY NY 115602306, LOCUST VALLEY, NY 11560-2306

Mortgage

Document Number	0423440783
Date	Aug 30, 2017
Book Page	042344/000783
Instrument	86214

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.5%

December 2016: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	NASSAU NY
Property Address	46 AYERS RD, LOCUST VALLEY, NY 11560-2306
Document Number	0423440794
Instrument Date	Dec 10, 2016
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 AYERS RD LOCUST VALLEY NY 115602306, LOCUST VALLEY, NY 11560-2306

Mortgage

Document Number	0423440794
Date	Aug 30, 2017
Book Page	042344/000794
Instrument	86215

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Nassau County and Oyster Bay Town assessment roll, as of June 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Nassau County
County Subdivision	Oyster Bay Town
Unified School District	Locust Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$904 (-12.66%) Land $353 Building $551	$904,000 (-12.66%)
2025	$25,543.00 (+21.15%)
2023	$21,083.00 Additional exemption filed	$1,035 Land $405 Building $630	$1,035,000

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.

Flood

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	5 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LOCUST VALLEY WD public/private · serves 7,500 people · EPA ID NY2902833
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 251 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

Cell Coverage

5G (outdoors only) and 4G LTE

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