Essex County and Jay Town property record for 87 Spruce Ln, Jay, NY 12941 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,260 sqft · built 1978 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,918 (2025) |
| Deeds & Mortgages | Mar 2023 Refinance |
| APN | 615J176036 |
| Primary APN | 615J176036 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Upper Floors Area | 300 sqft |
| Game Room | Game Room |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | A-Frame |
| Exterior Material | Wood |
| Lot Area | 39,204 sqft (0.9 acres) |
| Porch | Slab |
| Porch Area | 288 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 615J176036 |
|---|---|
| Street Address | 87 SPRUCE LN |
| City | JAY |
| State | NY |
| Zip | 12941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JAY TRACT LOT 143 200 X 191 |
| Legal Block | 1 |
| Legal Lot Number | 19.000 |
| Jurisdiction | ESSEX NY |
| Township / Civil Division | JAY |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 960200 |
Source: Essex County and Jay Town records · APN 615J176036
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 | Individual Name on File |
|---|---|
| Mailing Address | 2 YOUNG ST PO ERIN ON CANADA, 53 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX NY |
| Property Address | 87 SPRUCE LN, JAY, NY 12941 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002023738 |
|---|---|
| Date | Mar 02, 2023 |
| Instrument | 2023-738 |
| Name | A & D MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
Source: Essex County and Jay Town records · Assessment roll updated April 28, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Essex County |
| County Subdivision | Jay Town |
| Unified School District | AuSable Valley Central School District (PK - 12) |
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 | $4,918.00 (+157.76%) | $258,600 (+44.55%) Land $184,100 Building $74,500 | $258,600 (+44.55%) Land $184,100 Building $74,500 |
| 2023 | $178,900 (+39.77%) Land $115,000 Building $63,900 | $178,900 (+39.77%) Land $115,000 Building $63,900 | |
| 2022 | $1,908.00 (-62.99%) | $128,000 Land $57,000 Building $71,000 | $128,000 Land $57,000 Building $71,000 |
| 2020 | $5,155.00 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360319602001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| 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 Storm |
|
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 49 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Frontier | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
4G LTE (outdoors only), no 5G reported
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