7 Spruce Ln, Jay, NY 12941 Property Records

Essex County and Jay Town property record for 7 Spruce Ln, Jay, NY 12941

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,136 sqft · built 1975
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on File
Last Sale	$153,500 (Mar 2017)
Tax Bill	$6,979 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2017 Mortgage + 2 more
APN	`615J103206`

Property Details

APN / Parcel Number

Primary APN	`615J103206`
Alternative APNs	`280001705000020110000000` `152800 17.50-2-11.000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,136 sqft Living Area
1st Floor Area	1,136 sqft
Basement Area	772 sqft
Finished Basement	772 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1985
Architectural Style	Cottage
Exterior Material	Wood
Lot Area	47,916 sqft (1.1 acres)
Garage Type	Basement
Porch	Patio
Porch Area	605 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	615J103206
Street Address	7 SPRUCE LN
City	JAY
State	NY
Zip	12941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	142 149 JAY TRACT
Legal Block	2
Legal Lot Number	11.000
Jurisdiction	ESSEX NY
Township / Civil Division	JAY
Census Block Group	1
Census Block	1039
Census Tract	960200

Owner

Source: Essex County and Jay Town records · APN 615J103206

Assessment roll updated April 28, 2026 · Last verified May 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 File
Mailing Address	2052 LAKE RD, ONTARIO, NY 14519-9786
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 07, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Mar 06, 2017	Deed of Trust, Mortgage QUICKEN LOAN INC
Mar 06, 2017	Deed, Transfer JANET H BLISS
Mar 06, 2017	Deed, Transfer NOT AVAILABLE, JANET H BLISS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 06, 2017 · Amount on Record
Deed Sale	Mar 06, 2017 · Amount on Record
Deed Book / Page	1867 / 17
Record Updated	Jun 08, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NY
Property Address	7 SPRUCE LN, JAY, NY 12941
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20205427
Date	Dec 07, 2020
Instrument	2020-5427

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 01, 2036

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NY
Property Address	7 SPRUCE LN, JAY, NY 12941
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002439/0000000146
Date	Mar 06, 2017
Book Page	0000002439/0000000146
Instrument	2017-1044

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Amount	Amount Recorded
Term	358 Months
Due	Jan 01, 2047

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NY
Recording Date	Mar 06, 2017
Property Address	7 SPRUCE LN, JAY, NY 12941
Document Number	0000001867/0000000017
Book / Page	0000001867 / 0000000017
Instrument Date	Mar 03, 2017
Transaction Type	Transfer
Record Updated	Feb 06, 2021
Title Company	JANET H BLISS

Transaction

Amount	Amount Recorded
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	2052 LAKE RD, ONTARIO, NY 14519-9786

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NY
Recording Date	Mar 06, 2017
Property Address	7 SPRUCE LN, JAY, NY 12941
Document Number	0000001867/0000000017
Book / Page	0000001867 / 0000000017
Instrument Date	Mar 03, 2017
Transaction Type	Transfer
Record Updated	Apr 15, 2022
Title Company	NOT AVAILABLE, JANET H BLISS

Transaction

Amount	Amount Recorded
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	2052 LAKE RD, ONTARIO, NY 14519-9786

Tax Assessment & Valuation

Source: Essex County and Jay Town records · Assessment roll updated April 28, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,979.00 (+158.48%)	$367,000 (+37.45%) Land $185,300 Building $181,700	$367,000 (+37.45%) Land $185,300 Building $181,700
2023		$267,000 (+47.43%) Land $115,400 Building $151,600	$267,000 (+47.43%) Land $115,400 Building $151,600
2022	$2,700.00 (-40.29%)	$181,100 Land $57,400 Building $123,700	$181,100 Land $57,400 Building $123,700
2020	$4,522.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Based on FCC filings for 49 locations within half a mile of this property.

Cell Coverage

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

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