Nassau County and Hempstead Town property record for 55 Spruce St, Cedarhurst, NY 11516
| Property Type | Duplex |
|---|---|
| Details | 3 ba · 2,650 sqft · built 1908 |
| Lot Size | 0.215 acres (9,375 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,150,500 (Dec 2023) |
| Tax Bill | $14,367 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Oct 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-421-00-0024 |
| Primary APN | 39-421-00-0024 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Total Rooms | 14 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,650 sqft Living Area |
| 1st Floor Area | 1,166 sqft |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Architectural Style | Old Style |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 9,375 sqft (0.215 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 283 sqft |
| Balcony Area | 40 sqft |
| Canopy | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 39421 00240 |
|---|---|
| Street Address | 55 SPRUCE ST |
| City | CEDARHURST |
| State | NY |
| Zip | 11516-2017 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | TOWN #1 SCH DIST 015 |
| Legal Block | 421 |
| Legal Lot Number | 24 |
| Jurisdiction | NASSAU NY |
| Township / Civil Division | HEMPSTEAD |
| Census Block Group | 5 |
| Census Block | 5007 |
| Census Tract | 411200 |
55 Spruce St, a duplex, is owned and occupied by an individual who bought it in December 2023.
Source: Nassau County and Hempstead Town records, as of June 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 55 SPRUCE ST, CEDARHURST, NY 11516-2017 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Oct 21, 2025 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Oct 21, 2025 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Dec 5, 2023 | Bargain and Sale Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL INS CO OF |
| Jul 21, 2023 | Bargain and Sale Deed, Transfer · Commercial Mortgage LOAN FUNDER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2023 · Amount on File |
| Deed Sale | Dec 5, 2023 · Amount on File |
| Prior Sale | Jul 21, 2023 · Amount on File |
| Deed Document Number | 2023-72675 |
| Deed Book / Page | D14445 / 35 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 55 SPRUCE ST, CEDARHURST, NY 11516-2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 1027 ANNAPOLIS ST, FAR ROCKAWAY, NY 11691-4852 |
| Document Number | M481750743 |
|---|---|
| Date | Oct 21, 2025 |
| Book Page | M48175/743 |
| Instrument | 2025-67744 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Oct 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11% |
| Index | 1-Year CMT |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU NY |
| Property Address | 55 SPRUCE ST, CEDARHURST, NY 11516-2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 1027 ANNAPOLIS ST, FAR ROCKAWAY, NY 11691-4852 |
| Document Number | M481750709 |
|---|---|
| Date | Oct 21, 2025 |
| Book Page | M48175/709 |
| Instrument | 2025-67743 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | NASSAU NY |
| Recording Date | Dec 5, 2023 |
| Property Address | 55 SPRUCE ST, CEDARHURST, NY 11516-2017 |
| Document Number | D144450035 |
| Book / Page | D14445 / 35 |
| Instrument Date | Nov 27, 2023 |
| Instrument | 2023-72675 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL INS CO OF |
| Amount | Amount on Record |
|---|---|
| Tax | $16,107.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 65 SPRUCE ST, CEDARHURST, NY 11516-2017 |
| Name | Verified Name |
|---|---|
| Address | 55 SPRUCE ST, CEDARHURST, NY 11516-2017 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | NASSAU NY |
| Recording Date | Jul 21, 2023 |
| Property Address | 55 SPRUCE ST, CEDARHURST, NY 11516-2017 |
| Document Number | D143980631 |
| Book / Page | D14398 / 631 |
| Instrument Date | Jul 13, 2023 |
| Instrument | 2023-42629 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2023 |
| Title Company | YOUR TITLE EXPERTS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 55 SPRUCE ST, CEDARHURST, NY 11516-2017 |
| Name | Verified Name |
|---|---|
| Address | 65 SPRUCE ST, CEDARHURST, NY 11516-2017 |
| Document Number | 0202342630 |
|---|---|
| Date | Jul 21, 2023 |
| Instrument | 2023-42630 |
| Name | LOAN FUNDER LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jul 13, 2024 |
The 2025 property tax bill for 55 Spruce St was $14,367.
Source: Nassau County and Hempstead Town assessment roll, as of June 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Nassau County |
| County Subdivision | Hempstead Town |
| Municipality | Cedarhurst Village |
| Unified School District | Lawrence Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $781 Land $353 Building $428 | $790,000 | |
| 2025 | $14,367.00 | ||
| 2023 | $4,354.00 Homeowner's exemption Senior Citizen's exemption | $790 Land $353 Building $437 | $790,000 |
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 55 Spruce St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1980.
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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 10 (1980–2011) |
| Claims Outside the SFHA | 5 of 10 |
| Most Recent Claim | Aug 2011 · 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.
The area around 55 Spruce St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | LIBERTY UTILITIES NEW YORK - LYNBROOK private · serves 220,000 people · EPA ID NY2902835 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 5 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2025 |
| 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 543 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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