645 Bay Street, Staten Island
technical data · neighborhood and transit
Quick answers
- Who owns 645 Bay Street?
- BAY STREET 645 PROPERTIES LLC is the owner of record, per NYC Department of Finance (BBL 5004940005).
- What is the assessed value of 645 Bay Street?
- $96,750, set by the NYC Department of Finance.
- Is 645 Bay Street in a flood zone?
- No. FEMA maps it in Zone X, outside the high-risk flood area. Flood insurance is optional.
- What is the 2026 conforming loan limit in Richmond County?
- $1,209,750 for a single-unit home, per FHFA. Larger loans are jumbo loans.
- Is radon a problem here?
- EPA radon zone 3, low potential.
- What natural disasters is 645 Bay Street at risk for?
- FEMA's National Risk Index rates the area very low overall.
Property records
Owner of record
Bay Street 645 Properties LlcTax assessment
$96,750 · class K1
Sourced directly from official city and county records. BBL 5004940005
NYC records
Retail buildingTenant and buyer signals
Hurricane zone
Evacuation zone 1
Among the first areas told to leave before a storm surge. Ask about basement and ground floor flooding.
Alcohol licenses
None within 200 ft
No active on-premises liquor license on file with the NY State Liquor Authority.
Sources: NYC PLUTO, NYC Emergency Management, NY State Liquor Authority, OpenStreetMap. Rent status is an estimate from the building profile.
Tax lot 5004940005
- Built
- 1945
- Floors
- 1
- Units
- 1
- Zoning
- C4-2
- Floor area
- 1,950 sq ft
- Lot
- 2,200 sq ft
- Tax assessment
- $97K
Nearest subway
Click a station for walking directions.
Housing violations (HPD)
No open violations on this lot.
Heat and hot water, 2 years
No heat or hot water complaints filed.
311 calls within 260 ft, 12 months
181
- Noise - Commercial · 35
- Noise - Residential · 32
- Street Condition · 12
Safety and environment
FEMA natural hazard risk
Very Low
No single natural hazard ranks high for this area.
FEMA National Risk Index, census tract
FEMA flood zone
Zone X
Moderate flood hazard: a 0.2% annual chance. Flood insurance is optional and usually cheaper here.
FEMA National Flood Hazard Layer (FIRM)
Leaking fuel tanks
6 within 1,650 ft
Nearest: 163-01 Cross Bay Blvd, 163-01 Cross Bay Blvd (550 ft), no further action. Every release here is closed by the state regulator.
EPA UST Finder, leaking underground storage tank releases
Radon potential
Low
Geology here keeps indoor radon low on average.
EPA and USGS Geologic Radon Potential Map
Wildfire risk
Very Low
Wildfire risk is low enough that standard home insurance usually covers it.
FEMA National Risk Index
Nearest public schools
1,750 ft
PS 78 (1,750 ft), EAGLE ACADEMY FOR YOUNG MEN OF STATEN ISLAND (THE) (2,700 ft), IS 49 BERTA A DREYFUS (2,750 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
Major airport
6.7 mi
Newark Liberty (EWR). Aircraft may be audible under approach paths.
FAA large-hub airports
Conforming loan limit 2026
$1,209,750
Richmond County. Mortgages up to this amount qualify for Fannie Mae and Freddie Mac pricing. Above it, the loan is a jumbo with stricter terms.
FHFA Conforming Loan Limit Values, one-unit
Property tax after you buy
$7,000 a year
About $583 a month at New York's 1.40% median effective rate.
In New York City, small homes are capped at 6% a year (20% over five years), and the cap stays with the property through a sale.
Rough estimate. U.S. Census ACS median effective rates. Your county assessor sets the final bill.
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Who lives and works in Staten Island
A homeowner borough built around families and commuting
Staten Island looks and works like a suburb inside the city. Most households own their home, most have a car, and the rhythm follows school runs and the ferry. Lots are wide, streets are quiet and blocks are built out of single family and semi-detached houses.
- $96,185
- median household income
- 13.1%
- residents aged 25 to 34
- 69%
- households that own their home
What pays the bills
- Healthcare
- Public safety and city jobs
- Retail
- Construction
- Shipping
Who anchors the economy
Staten Island University Hospital · Wagner College · CUNY Staten Island · Empire Outlets · Port Richmond terminals
The market is shaped around
- Families with school-age children
- Buyers who want a yard
- Ferry and car commuters
More on Bay Street
All addressesViewing recommendations
What's worth checking in person before deciding.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- Knock on a neighboring door and ask two things: what bothers them most often, and what work is planned for the building.
- Look at the stairwell (cleanliness, smell) and the association's notice board: unpaid dues, conflicts, recent decisions.
- Ask specifically where you'd park: is there paid city parking, who currently holds it, what the permit costs, and how long the waitlist is.
- Schedule a viewing on a weekday too, between 6:00 and 7:30 PM, the window when the building is busiest: neighbors, parking, elevator.
- Ask for the latest maintenance bill from a winter month, not a summer one: that's where the real cost of living there shows up.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.
The year built, height regime, structure, and elevator for this address are being indexed right now, city by city. Save the page and check back: it fills in over time. If you live here, you can fill it in yourself in a minute by leaving a review.