51 Sequoia Mountain Ln, Jay, NY 12941 Property Records

Essex County and Jay Town property record for 51 Sequoia Mountain Ln, Jay, NY 12941

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 832 sqft · built 1982
Lot Size	0.8 acres (34,848 sqft)
Owner	Company Name on Record
Last Sale	$399,000 (Sep 2026)
Tax Bill	$5,903 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2017 Mortgage + 5 more
APN	`615J100306`

Property Details

APN / Parcel Number

Primary APN	`615J100306`
Alternative APNs	`280001702300050040000000` `152800 17.23-5-4.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	832 sqft Living Area
Gross Area	680 sqft
1st Floor Area	720 sqft
Attic	Attic
Attic Area	112 sqft
Basement Area	520 sqft
Finished Basement	520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Cottage
Exterior Material	Wood
Lot Area	34,848 sqft (0.8 acres)
Porch	Slab
Porch Area	160 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	615J100306
Street Address	51 SEQUOIA MOUNTAIN LN
City	JAY
State	NY
Zip	12941-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	152 JAY TRACT
Legal Block	5
Legal Lot Number	4.000
Jurisdiction	ESSEX NY
Township / Civil Division	JAY
Census Block Group	1
Census Block	1015
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	Company Name on Record
Mailing Address	51 SEQUOIA MOUNTAIN LN, JAY, NY 12941-2607
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Warranty Deed, Transfer · ARM CITIZENS BANK
Oct 30, 2017	Deed of Trust, Mortgage ANHEUSER-BUSCH EMP CREDIT UNION
Oct 28, 2020	Deed of Trust, Mortgage · FHA Mortgage TOGETHER CREDIT UNION
Aug 18, 2005	Deed of Trust, Mortgage HSBC MORTGAGE CO
May 30, 2025	Warranty Deed, Transfer · Stand-Alone Refinance COMMUNITY BANK NA
Jan 26, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Oct 30, 2017	Deed, Transfer NOT AVAILABLE, BRIAN SNELL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2026 · Amount on Record
Deed Sale	Sep 4, 2026 · Amount on Record
Prior Sale	May 30, 2025 · Amount on Record
Deed Document Number	20262026-3596
Deed Book / Page	2251 / 136
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NY
Recording Date	Sep 4, 2026
Property Address	51 SEQUOIA MOUNTAIN LN, JAY, NY 12941-2607
Document Number	0000003596
Book / Page	2251 / 136
Instrument Date	Aug 18, 2026
Instrument	20263596
Transaction Type	Transfer
Record Updated	Sep 24, 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	51 SEQUOIA MOUNTAIN LN, JAY, NY 12941-2607

Mortgage

Date	Sep 4, 2026

Lender

Name	CITIZENS BANK

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Type Change Date	Sep 1, 2033
Margin	3
Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NY
Property Address	51 SEQUOIA MOUNTAIN LN, JAY, NY 12941-2607
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002479/0000000001
Date	Oct 30, 2017
Book Page	0000002479/0000000001
Instrument	2017-4715

Lender

Name	ANHEUSER-BUSCH EMP CREDIT UNION

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NY
Property Address	51 SEQUOIA MOUNTAIN LN, JAY, NY 12941-2607
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020204535
Date	Oct 28, 2020
Instrument	2020-4535

Lender

Name	TOGETHER CREDIT UNION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NY
Property Address	51 SEQUOIA MOUNTAIN LN, JAY, NY 12941-2607
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001510/0000000220
Date	Aug 18, 2005
Book Page	0000001510/0000000220
Instrument	0000005279

Lender

Name	HSBC MORTGAGE CO
Type	Mortgage Company

Agreement

Amount	Amount Recorded

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NY
Recording Date	May 30, 2025
Property Address	51 SEQUOIA MOUNTAIN LN, JAY, NY 12941-2607
Document Number	002203/123
Book / Page	2203 / 123
Instrument Date	May 29, 2025
Instrument	2025-1777
Transaction Type	Transfer
Record Updated	Apr 20, 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	6806 US ROUTE 9, ELIZABETHTOWN, NY 12932-1703

Mortgage

Document Number	0020251778
Date	May 30, 2025
Instrument	2025-1778

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Jun 1, 2032
Index	Other

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NY
Recording Date	Jan 26, 2023
Property Address	51 SEQUOIA MOUNTAIN LN, JAY, NY 12941-2607
Document Number	002114/145
Book / Page	2114 / 145
Instrument Date	Jan 11, 2023
Instrument	2023-325
Transaction Type	Transfer
Record Updated	Apr 3, 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
Relationship	Tenants by the Entirety
Address	8 ANTHONY LN, SARATOGA SPRINGS, NY 12866-6524

Mortgage

Document Number	0002023326
Date	Jan 26, 2023
Instrument	2023-326

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NY
Recording Date	Oct 30, 2017
Property Address	51 SEQUOIA MOUNTAIN LN, JAY, NY 12941
Document Number	0000001892/0000000184
Book / Page	0000001892 / 0000000184
Instrument Date	Oct 20, 2017
Transaction Type	Transfer
Record Updated	Oct 20, 2022
Title Company	NOT AVAILABLE, BRIAN SNELL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 SEQUOIA MOUNTAIN LN, JAY, NY 12941

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	$5,903.00 (+0.98%)
2025	$5,846.00 (+168.04%)	$308,400 (+10.14%) Land $184,100 Building $124,300	$308,400 (+10.14%) Land $184,100 Building $124,300
2023		$280,000 (+91.39%) Land $115,000 Building $165,000	$280,000 (+91.39%) Land $115,000 Building $165,000
2022	$2,181.00 (-27.78%)	$146,300 Land $57,000 Building $89,300	$146,300 Land $57,000 Building $89,300
2020	$3,020.00

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	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	FOREVER WILD WATER CO-SIGNOR private · serves 900 people · EPA ID NY1500280
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, 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.

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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