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643 Michelle Pl, Valley Stream, NY 11581 Property Records

Nassau County and Hempstead Town property record for 643 Michelle Pl, Valley Stream, NY 11581

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,811 sqft · built 1962
Lot Size0.156 acres (6,798 sqft)
Owner2 Individual Names on Record
Tax Bill$12,962 (2025)
Deeds & MortgagesMar 2021 Mortgage
Dec 2020 Mortgage
Flood ZoneZone X (moderate risk)
APN39-596-00-0018

Property Details

APN / Parcel Number

Primary APN39-596-00-0018
Alternative APNs
  • 2089-39-596-00-0018-0
  • 39596000018000000000
  • 282089 39.-596-18
  • 39596 00180

Interior

Full Baths3 Baths
Total Rooms9 Rooms
Stories2 Stories
Building Area2,811 sqft Living Area
Gross Area3,133 sqft
1st Floor Area1,260 sqft
Basement Area22 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 1962
Architectural StyleColonial
Exterior MaterialWood
Construction TypeFrame
Roof MaterialOther
Lot Area6,798 sqft (0.156 acres)
Lot Dimensions103 ft deep x 64 ft wide
Garage TypeAttached
Garage Area300 sqft
Parking Spaces1 Parking Space
PorchOpen Frame Porch
Porch Area329 sqft
Patio Area300 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number39596 00180
Street Address643 MICHELLE PL
CityVALLEY STREAM
StateNY
Zip11581-3040
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTOWN #1 SCH DIST 015
Legal Block596
Legal Lot Number18
JurisdictionNASSAU NY
Township / Civil DivisionHEMPSTEAD
Census Block Group1
Census Block1018
Census Tract411301

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address643 MICHELLE PL, VALLEY STREAM, NY 11581-3040
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 17, 2021Deed of Trust, Mortgage · Conventional Mortgage
CROSS COUNTRY MORTGAGE
Dec 10, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED STATE FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedSep 20, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU NY
Property Address643 MICHELLE PL, VALLEY STREAM, NY 11581-3040
Transaction TypeMortgage
Record UpdatedApr 7, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0451410902
DateMar 17, 2021
Book Page45141/902
Instrument2021-034450
Lender
NameCROSS COUNTRY MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2050
Interest
Rate TypeFixed Rate

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU NY
Property Address643 MICHELLE PL, VALLEY STREAM, NY 11581-3040
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0448090321
DateDec 10, 2020
Book Page44809/321
Instrument2020-120520
Lender
NameUNITED STATE FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 9, 2050
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyNassau County
County SubdivisionHempstead Town
Unified School DistrictLawrence Union Free School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$816 (+3.29%) Land $289 Building $527$816,000 (+3.29%)
2025$12,962.00 (+8.84%)$790 (-2.95%) Land $280 Building $510$790,000 (-2.95%)
2023$11,909.00 Additional exemption filed$814 Land $288 Building $526$814,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 5, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 206 policies
Nearby Flood Policies206 in force
Nearby Flood Claims502 (1978–2025)
Claims Outside the SFHA217 of 502
Most Recent ClaimJul 2025 · other causes
Claims by Event
  • Hurricane Sandy, Nov 2012 · 232 claims
  • Hurricane Irene, Sep 2011 · 84 claims
  • Severe Storms And Flooding, Mar 2010 · 33 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 RiskNot rated
no burnable land within ember reach

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 SystemLIBERTY UTILITIES NEW YORK - LYNBROOK
private · serves 220,000 people · EPA ID NY2902835
Water SourceGroundwater
Last State InspectionJul 2023
Lead5 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2025
Monitoring and ReportingNone
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 263 locations within half a mile, as of December 31, 2025

ProviderMax 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

Cell Coverage

5G (outdoors only) and 4G LTE

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