14 Prospect St, Shoreham, NY 11786 Property Records

Suffolk County and Brookhaven Town property record for 14 Prospect St, Shoreham, NY 11786

Property Summary

Property Type	Single Family Home
Details	1,690 sqft · built 1920
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$445,500 (Jul 2020)
Tax Bill	$11,622 (2023)
Deeds & Mortgages	May 2026 Line of Credit Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`472211 3.-1-14`

Property Details

APN / Parcel Number

Primary APN	`472211 3.-1-14`
Alternative APNs	`0207-003.00-01.00-014.000` `0206-003.00-01.00-014.000` `472211 003.00-01-014.000` `221100300000010140000000` `00001911560` `1911560`

Interior

Building Area	1,690 sqft Building Perimeter
1st Floor Area	1,150 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	21,780 sqft (0.5 acres)
View / Lot	Waterfront

Location & Zoning

Account Number	1911560
Old Parcel Number	472211 3.-1-14.
Street Address	14 PROSPECT ST
City	SHOREHAM
State	NY
Zip	11786-1055
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MAP OF OAKRIDGE
Legal Block	3000
Legal Lot Number	100
Jurisdiction	SUFFOLK NY
Township / Civil Division	BROOKHAVEN
Census Block Group	1
Census Block	1001
Census Tract	158402

Owner

14 Prospect St is owned and occupied by two individuals who bought it in July 2020.

Source: Suffolk County and Brookhaven Town records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14 PROSPECT ST, SHOREHAM, NY 11786-1055
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS BANK AND TRUST COMPANY
Jun 6, 2022	Deed of Trust, Mortgage · FHA Mortgage EAST COAST CAPITAL CORP
Jul 27, 2020	Grant Deed, Transfer · FHA Mortgage FAMILY FIRST FNDG
Mar 1, 2017	Deed of Trust, Mortgage VELOCITY COM'L CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2020 · Amount on File
Deed Sale	Jul 27, 2020 · Amount on File
Prior Sale	Oct 3, 2013 · Amount on File
Deed Book / Page	13065 / 295
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Recording Date	May 27, 2026
Property Address	14 PROSPECT ST, SHOREHAM, NY 11786-1055
Document Number	2372000483
Book / Page	23729 / 483
Instrument Date	Mar 5, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ADVANTAGE TITLE INC, ADVANTAGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 PROSPECT ST, SHOREHAM, NY 11786-1055
Investor	Possibly a Property Investor

Mortgage

Document Number	2372000483,
Date	May 27, 2026
Book Page	23729/483

Lender

Name	MANUFACTURERS BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	14 PROSPECT ST, SHOREHAM, NY 11786-1055
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234230765
Date	Jun 6, 2022
Book Page	23423/765

Lender

Name	EAST COAST CAPITAL CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jul 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jul 27, 2020
Property Address	14 PROSPECT ST, SHOREHAM, NY 11786-1055
Document Number	0130650295
Book / Page	013065 / 000295
Instrument Date	May 11, 2020
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,781.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1401 VISTA VIEW DR FARMINGVILLE NY 117383016, FARMINGVILLE, NY 11738-3016

Mortgage

Document Number	231560625
Date	Jul 27, 2020
Book Page	023156/000625

Lender

Name	FAMILY FIRST FNDG
Type	Funding / Finance Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	14 PROSPECT ST, SHOREHAM, NY 11786-1055
Document Number	0228080844
Book / Page	022808 / 000844
Instrument Date	Mar 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 1, 2017
Title Company	COACH TITLE INSURANCE AGENCY, COACH TITLE INS AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	415 OCEAN PKWY #2G BROOKLYN NY 112184741, 2G, BROOKLYN, NY 11218-4741

Mortgage

Document Number	0228080844
Date	Apr 17, 2017
Book Page	022808/000844

Lender

Name	VELOCITY COM'L CAP
Type	Funding / Finance Company
Address	WESTLAKE VILLAGE, CA 91362

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

Source: Suffolk County and Brookhaven Town assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Brookhaven Town
Municipality	Shoreham Village
Unified School District	Shoreham-Wading River Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$3,200 Land $500 Building $2,700	$666,667
2023	$11,622.00	$3,200 Land $500 Building $2,700	$3,200 Land $500 Building $2,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 14 Prospect St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jan 1979 · rainfall accumulation

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

Wildfire risk around 14 Prospect St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 System	SUFFOLK COUNTY WATER AUTHORITY serves 1,100,000 people · EPA ID NY5110526
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	Asbestos resolved · Jul 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 470 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000

May also be available: T-Mobile, Verizon.

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