Suffolk County and Brookhaven Town property record for 181 Locust Dr, Rocky Point, NY 11778
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,024 sqft · built 1945 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,000 (May 2015) |
| Tax Bill | $7,051 (2024) |
| Deeds & Mortgages | Oct 2025 Mortgage Dec 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0200-054.00-06.00-059.001 |
| Primary APN | 0200-054.00-06.00-059.001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,024 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Brick |
| Lot Area | 12,197 sqft (0.28 acres) |
| View / Lot | Waterfront |
| Heating System | Radiant |
|---|
| Account Number | 1524342 |
|---|---|
| Street Address | 181 LOCUST DR |
| City | ROCKY POINT |
| State | NY |
| Zip | 11778-9263 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NSB 1015 2 SEC C NW CN 5697,8&5705. |
| Legal Subdivision | NORTH SHORE BEACH |
| Legal Block | 4000 |
| Legal Lot Number | 600 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | BROOKHAVEN |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 158407 |
Source: Suffolk County and Brookhaven Town records, as of October 19, 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 Record |
|---|---|
| Mailing Address | 181 LOCUST DR, ROCKY POINT, NY 11778-9263 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2025 | Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Dec 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SECRETARY HOUSING URBAN DEVELOPMENT |
| Feb 6, 2020 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Dec 1, 2018 | Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2015 · Amount on Record |
| Deed Sale | May 15, 2015 · Amount on Record |
| Prior Sale | Mar 27, 1998 · Amount on Record |
| Deed Book / Page | 12817 / 139 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 181 LOCUST DR, ROCKY POINT, NY 11778-9263 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0236890568 |
|---|---|
| Date | Oct 16, 2025 |
| Book Page | 23689/568 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 301 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 181 LOCUST DR, ROCKY POINT, NY 11778-9263 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0235560579 |
|---|---|
| Date | Dec 21, 2023 |
| Book Page | 23556/579 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 181 LOCUST DR, ROCKY POINT, NY 11778-9263 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0232430644 |
|---|---|
| Date | Mar 9, 2021 |
| Book Page | 23243/644 |
| Instrument | DL059948 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 181 LOCUST DR, ROCKY POINT, NY 11778-9263 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231040089 |
|---|---|
| Date | Feb 6, 2020 |
| Book Page | 23104/89 |
| Instrument | DK040000 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Dec 1, 2018 |
| Property Address | 181 LOCUST DR, ROCKY POINT, NY 11778-9263 |
| Document Number | 0129900003 |
| Book / Page | 012990 / 000003 |
| Instrument Date | Nov 5, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,380.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 187 BROOKFIELD AVE CENTER MORICHES NY 119342101, CENTER MORICHES, NY 11934-2101 |
| Document Number | 229830951 |
|---|---|
| Date | Dec 1, 2018 |
| Book Page | 022983/000951 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | 26642 TOWNE CENTRE DR, FOOTHILL RANCH, CA 92610-2808 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 30, 2048 |
Source: Suffolk County and Brookhaven Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Brookhaven Town |
| Unified School District | Rocky Point Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,500 (-) Land $310 Building $1,190 | $312,500 (+11,149.1%) Land $58,491 Building $224,528 | |
| 2024 | $7,051.00 | ||
| 2023 | $1,500 Land $310 Building $1,190 | $2,778 Land $574 Building $2,204 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
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: 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 655 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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