Local notes
Home & Property in New York
Buying or owning a home in New York brings together the mortgage, STAR, the local assessment, closing costs, and the land or building itself. New York City uses a separate property-tax system; elsewhere, the town or city assessor and equalization rate help explain the number.
For the statewide rule or a step-by-step explanation, open Home & Property.
Selected notes
Home & Property starting points
Six useful notes from around New York.
Statewide
A Flooded Private Well Needs Testing Before Normal Use
After floodwater reaches a private well, use bottled or disinfected water until the well is restored, disinfected, and tested.
Statewide
Flood Insurance Usually Has a Waiting Period
Flood insurance is usually not a same-day storm fix, so owners and renters should review coverage before heavy-weather season.
Statewide
HEAP Applications Depend on the Benefit Window and Local District
HEAP has regular, emergency, repair, and cooling paths, so applicants should check what is open and which local office handles them.
New York City
DOB Checks Often Need Both DOB NOW And Old BIS
For a Brooklyn building question, check DOB NOW for newer records and BIS for older filings before assuming the permit history is empty.
Western New York
Erie Lead Checks Belong Before Older-Home Work
Erie County's LeadSAFE pages help families, landlords, and contractors ask the right lead questions before work starts.
Statewide
Lead Service Line Inventories Are Worth Checking Before You Buy
For homes on public water, check the water system's service-line inventory instead of assuming the pipe material is known.
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