649 Michelle Pl, Valley Stream, NY 11581 Property Records

Nassau County and Hempstead Town property record for 649 Michelle Pl, Valley Stream, NY 11581

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 2,693 sqft · built 1962
Lot Size	0.154 acres (6,695 sqft)
Owner	2 Individual Names on File
Last Sale	$1,060,000 (Jun 2021)
Tax Bill	$11,321 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`39-596-00-0017`

Property Details

APN / Parcel Number

Primary APN	`39-596-00-0017`
Alternative APNs	`2089-39-596-00-0017-0` `39596000017000000000` `282089 39.-596-17` `39596 00170`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,693 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Finished Basement	1,248 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Other
Lot Area	6,695 sqft (0.154 acres)
Lot Dimensions	103 ft deep x 64 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	40 sqft
Deck Area	130 sqft
Patio Area	128 sqft
Balcony Area	197 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	39596 00170
Street Address	649 MICHELLE PL
City	VALLEY STREAM
State	NY
Zip	11581-3040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN #1 SCH DIST 015
Legal Block	596
Legal Lot Number	17
Jurisdiction	NASSAU NY
Township / Civil Division	HEMPSTEAD
Census Block Group	1
Census Block	1018
Census Tract	411301

Owner

649 Michelle Pl is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	649 MICHELLE PL, VALLEY STREAM, NY 11581-3040
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage FM HOME LOANS LLC
Nov 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARK MORTGAGE
Oct 6, 2017	Grant Deed, Transfer · Conventional with PMI FM HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Prior Sale	Oct 6, 2017 · Amount on File
Deed Document Number	202186095
Deed Book / Page	14101 / 187
Record Updated	Oct 29, 2026

June 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	NASSAU NY
Recording Date	Jun 30, 2021
Property Address	649 MICHELLE PL, VALLEY STREAM, NY 11581-3040
Document Number	0141010187
Book / Page	14101 / 187
Map Reference	MAP 7230
Instrument Date	Jun 18, 2021
Instrument	2021-086095
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 E 21ST ST, BROOKLYN, NY 11210-2833

Mortgage

Document Number	202108609645577185
Date	Jun 30, 2021
Instrument	2021-08609645577185

Lender

Name	FM HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU NY
Property Address	649 MICHELLE PL, VALLEY STREAM, NY 11581-3040
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0447500383
Date	Nov 20, 2020
Book Page	44750/383
Instrument	2020-111888

Lender

Name	ARK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NASSAU NY
Recording Date	Oct 6, 2017
Property Address	649 MICHELLE PL, VALLEY STREAM, NY 11581-3040
Document Number	0135700413
Book / Page	013570 / 000413
Instrument Date	Sep 26, 2017
Instrument	100181
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,912.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7102 150TH ST FLUSHING NY 113672012, FLUSHING, NY 11367-2012

Mortgage

Document Number	424250058
Date	Oct 6, 2017
Book Page	042425/000058
Instrument	100182

Lender

Name	FM HM LOANS
Address	BROOKLYN, NY 11210

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 649 Michelle Pl was $11,321 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	New York
County	Nassau County
County Subdivision	Hempstead Town
Unified School District	Lawrence Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$755 Land $297 Building $458	$755,000
2025	$11,321.00
2023	$12,179.00 Additional exemption filed	$829 Land $330 Building $499	$829,000

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.

Flood

FEMA maps place 649 Michelle Pl in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 206 policies
Nearby Flood Policies	206 in force
Nearby Flood Claims	502 (1978–2025)
Claims Outside the SFHA	217 of 502
Most Recent Claim	Jul 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

The area around 649 Michelle Pl 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 263 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

Cell Coverage

5G (outdoors only) and 4G LTE

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