48 Cross St, Jay, NY 12941 Property Records

Essex County and Jay Town property record for 48 Cross St, Jay, NY 12941

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,511 sqft · built 1974
Lot Size	0.91 acres (39,640 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Apr 2020)
Tax Bill	$5,479 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
APN	`615J103315`

Property Details

APN / Parcel Number

Primary APN	`615J103315`
Alternative APNs	`280001703200020060000000` `152800 17.32-2-6.000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,511 sqft Living Area
Gross Area	1,626 sqft
1st Floor Area	1,108 sqft
Upper Floors Area	570 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	39,640 sqft (0.91 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	310 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	615J103315
Street Address	48 CROSS ST
City	JAY
State	NY
Zip	12941-2329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	151 JAY TRACT
Legal Block	2
Legal Lot Number	6.000
Jurisdiction	ESSEX NY
Township / Civil Division	JAY
Census Block Group	1
Census Block	1011
Census Tract	960200

Owner

Source: Essex County and Jay Town records · APN 615J103315

Assessment roll updated April 28, 2026 · Last verified May 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 File
Mailing Address	48 CROSS ST, JAY, NY 12941-2329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 14, 2020 · Amount on Record
Deed Sale	Apr 14, 2020 · Amount on Record
Deed Document Number	20201413
Deed Book / Page	1986 / 78
Record Updated	Jun 08, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NY
Recording Date	Apr 14, 2020
Property Address	48 CROSS ST, JAY, NY 12941-2329
Document Number	0001986/78
Book / Page	1986 / 78
Instrument Date	Apr 08, 2020
Instrument	2020-1413
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount Recorded
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	4579 CASCADE RD, LAKE PLACID, NY 12946-4102

Mortgage

Document Number	0020201414
Date	Apr 14, 2020
Instrument	2020-1414

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

Tax Assessment & Valuation

Source: Essex County and Jay Town records · Assessment roll updated April 28, 2026 · Last verified May 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,479.00 (+122.72%)	$302,400 (+36.03%) Land $184,100 Building $118,300	$302,400 (+36.03%) Land $184,100 Building $118,300
2023		$222,300 (+27.03%) Land $115,000 Building $107,300	$222,300 (+27.03%) Land $115,000 Building $107,300
2022	$2,460.00 (-56.1%) Veteran's exemption	$175,000 Land $57,000 Building $118,000	$175,000 Land $57,000 Building $118,000
2020	$5,604.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Based on FCC filings for 74 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	FOREVER WILD WATER CO-SIGNOR private · serves 900 people
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.