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654 E Chester St, Long Beach, NY 11561 Property Records

Nassau County and Long Beach City property record for 654 E Chester St, Long Beach, NY 11561

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,880 sqft · built 1956
Lot Size0.055 acres (2,400 sqft)
Owner2 Individual Names on Record
Last Sale$401,000 (Apr 2017)
Tax Bill$7,501 (2025)
Deeds & MortgagesFeb 2023 Line of Credit
May 2019 Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN59-229-00-0048

Property Details

APN / Parcel Number

Primary APN59-229-00-0048
Alternative APNs
  • 1000-59-229-00-0048-0
  • 59229000048000000000
  • 281000 59.-229-48
  • 59229 00480

Interior

Full Baths2 Baths
Total Rooms6 Rooms
Stories2 Stories
Building Area1,880 sqft Living Area
1st Floor Area910 sqft

Exterior

Year BuiltBuilt 1956
Effective Year BuiltEffective 1956
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Foundation TypeConcrete
Roof MaterialOther
Lot Area2,400 sqft (0.055 acres)
Lot Dimensions60 ft deep x 40 ft wide
View / LotCommercial/Industrial
Garage TypeCarport
Garage Area50 sqft
CarportCarport
Carport Area50 sqft

Exterior Amenities

PorchOpen Frame Porch
Porch Area65 sqft
Deck Area50 sqft
Balcony Area30 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number59229 00480
Street Address654 E CHESTER ST
CityLONG BEACH
StateNY
Zip11561-2506
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTOWN #5 SCH DIST 028
Legal SubdivisionCANALS/LIDO
Legal Block229
Legal Lot Number48
JurisdictionNASSAU NY
Township / Civil DivisionLONG BEACH
Census Block Group2
Census Block2013
Census Tract416801

Owner

Source: Nassau County and Long Beach City records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address654 E CHESTER ST, LONG BEACH, NY 11561-2506
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 1, 2023Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
May 13, 2019Deed of Trust, Mortgage · Conventional with PMI
QUICKEN LNS
Apr 4, 2017Grant Deed, Transfer · FHA Mortgage
GUARANTEED RATE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 4, 2017 · Amount on Record
Deed SaleApr 4, 2017 · Amount on Record
Prior SaleJul 18, 2001 · Amount on Record
Deed Document Number201733235
Deed Book / Page13491 / 247
Prior Transfer DateMay 9, 2013
Prior Transfer Doc0129500516
Record UpdatedOct 29, 2026

February 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU NY
Property Address654 E CHESTER ST, LONG BEACH, NY 11561-2506
Transaction TypeMortgage
Record UpdatedFeb 8, 2023
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address654 E CHESTER ST, LONG BEACH, NY 11561-2506

Mortgage

Document NumberM470350997
DateFeb 1, 2023
Book PageM47035/997
Instrument2023-7436
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term355 Months
DueSep 2, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU NY
Property Address654 E CHESTER ST, LONG BEACH, NY 11561-2506
Document Number0434530923
Instrument DateMay 13, 2019
Transaction TypeMortgage
Record UpdatedJun 10, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address654 E CHESTER ST LONG BEACH NY 115612506, LONG BEACH, NY 11561-2506

Mortgage

Document Number0434530923
DateMay 22, 2019
Book Page043453/000923
Instrument43042
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueMay 21, 2049

April 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionNASSAU NY
Recording DateApr 4, 2017
Property Address654 E CHESTER ST, LONG BEACH, NY 11561-2506
Document Number0134910247
Book / Page013491 / 000247
Instrument DateMar 16, 2017
Instrument33235
Transaction TypeTransfer
Record UpdatedJan 9, 2019
Title CompanyCLEARPOINT TITLE AGENCY LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,604.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12216 POWELLS COVE BLVD COLLEGE POINT NY 113561245, COLLEGE POINT, NY 11356-1245

Mortgage

Document Number420270448
DateApr 4, 2017
Book Page042027/000448
Instrument33236
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 3, 2047

Tax Assessment & Valuation

Source: Nassau County and Long Beach City assessment roll, as of June 17, 2026

Property Jurisdictions

TypeName
StateNew York
CountyNassau County
MunicipalityLong Beach City
Unified School DistrictLong Beach City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$521 (-) Land $186 Building $335$521,000 (-)
2025$7,501.00 (-3.18%)$521 (-) Land $186 Building $335$521,000 (-)
2023$7,747.00 Additional exemption filed$521 Land $186 Building $335$521,000

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

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

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 299 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies299 in force
Nearby Flood Claims454 (1978–2023)
Claims Outside the SFHA19 of 454
Most Recent ClaimSep 2023 · Severe Storm And Flooding
Claims by Event
  • Hurricane Sandy, Nov 2012 · 324 claims
  • Hurricane Irene, Aug 2011 · 32 claims
  • Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 21 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 SystemLONG BEACH CITY
serves 35,000 people · EPA ID NY2902834
Water SourceGroundwater
Last State InspectionJul 2025
Lead1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Jun 2019
Treatment and ProcedureNone
last 10 years
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 911 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

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