55 Alder St, Jay, NY 12941 Property Records

Essex County and Jay Town property record for 55 Alder St, Jay, NY 12941

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 819 sqft · built 1963
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jun 2023)
Tax Bill	$4,986 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Mar 2021 Sale
APN	`615J101214`

Property Details

APN / Parcel Number

Primary APN	`615J101214`
Alternative APNs	`280001704000040210000000` `152800 17.40-4-21.000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	819 sqft Living Area
1st Floor Area	819 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1975
Architectural Style	Cottage
Exterior Material	Wood
Lot Area	39,204 sqft (0.9 acres)
Porch	Patio
Porch Area	532 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	615J101214
Street Address	55 ALDER ST
City	JAY
State	NY
Zip	12941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	150 JAY TRACT
Legal Block	4
Legal Lot Number	21.000
Jurisdiction	ESSEX NY
Township / Civil Division	JAY
Census Block Group	1
Census Block	1035
Census Tract	960200

Owner

Source: Essex County and Jay Town records, as of April 28, 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	36 MICHAEL DR, SARATOGA SPRINGS, NY 12866-5900
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage NAVY FCU
Mar 2, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Sep 5, 2001 · Amount on Record
Deed Document Number	20232166
Deed Book / Page	2128 / 279
Prior Transfer Date	Oct 10, 2020
Prior Transfer Doc	0002025/63
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX NY
Recording Date	Jun 30, 2023
Property Address	55 ALDER ST, JAY, NY 12941
Document Number	002128/279
Book / Page	2128 / 279
Instrument Date	May 30, 2023
Instrument	2023-2166
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
Address	36 MICHAEL DR, SARATOGA SPRINGS, NY 12866-5900

Mortgage

Document Number	0020232167
Date	Jun 30, 2023
Instrument	2023-2167

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

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

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NY
Recording Date	Mar 2, 2021
Property Address	55 ALDER ST, JAY, NY 12941
Document Number	0002025/63
Book / Page	2025 / 63
Instrument Date	Oct 10, 2020
Instrument	2021-1083
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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
Address	2155 SE DESTIN DR, PORT SAINT LUCIE, FL 34952-8000

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
2025	$4,986.00 (+176.39%)	$262,200 (+78%) Land $184,100 Building $78,100	$262,200 (+78%) Land $184,100 Building $78,100
2023		$147,300 (+21.74%) Land $115,000 Building $32,300	$147,300 (+21.74%) Land $115,000 Building $32,300
2022	$1,804.00 (-52.17%)	$121,000 Land $57,000 Building $64,000	$121,000 Land $57,000 Building $64,000
2020	$3,772.00

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 51 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

4G LTE (outdoors only), no 5G reported

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