2 Upper Cross Way, Shoreham, NY 11786 Property Records

Suffolk County and Brookhaven Town property record for 2 Upper Cross Way, Shoreham, NY 11786

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,306 sqft · built 1978
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Oct 2021)
Tax Bill	$13,238 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0200-057.00-02.00-016.000`

Property Details

APN / Parcel Number

Primary APN	`0200-057.00-02.00-016.000`
Alternative APNs	`472289 057.00-02-016.000` `228905700000020160000000` `00001914790` `0001914790` `1914790`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,306 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Cape Cod
Exterior Material	Brick
Lot Area	20,038 sqft (0.46 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Account Number	1914790
Street Address	2 UPPER CROSS WAY
City	SHOREHAM
State	NY
Zip	11786-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHOREHAM BEACH 1525 SEC 1 60
Legal Subdivision	SHOREHAM BEACH
Legal Block	7000
Legal Lot Number	200
Jurisdiction	SUFFOLK NY
Township / Civil Division	BROOKHAVEN
Census Block Group	2
Census Block	2031
Census Tract	158402

Owner

Source: Suffolk County and Brookhaven Town records, as of August 19, 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 Record
Mailing Address	2 UPPER CROSS WAY, SHOREHAM, NY 11786-1456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit TD BANK
Oct 28, 2021	Deed, Transfer · Stand-Alone First Mortgage TEACHERS FCU
Aug 18, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2021 · Amount on Record
Deed Sale	Oct 28, 2021 · Amount on Record
Prior Sale	Jul 15, 2002 · Amount on Record
Deed Book / Page	13126 / 871
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Recording Date	Jul 13, 2026
Property Address	2 UPPER CROSS WAY, SHOREHAM, NY 11786-1456
Document Number	2373000902
Book / Page	23736 / 902
Instrument Date	Apr 8, 2026
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 UPPER CROSS WAY, SHOREHAM, NY 11786-1456

Mortgage

Document Number	2373000902,
Date	Jul 13, 2026
Book Page	23736/902

Lender

Name	TD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Oct 28, 2021
Property Address	2 UPPER CROSS WAY, SHOREHAM, NY 11786-1456
Document Number	0131260871
Book / Page	13126 / 871
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 LISO DR, MOUNT SINAI, NY 11766-1917

Mortgage

Document Number	DM043491
Date	Oct 28, 2021
Instrument	DM043491

Lender

Name	TEACHERS FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	2 UPPER CROSS WAY, SHOREHAM, NY 11786-1456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0231630829
Date	Aug 18, 2020
Book Page	23163/829
Instrument	DL020821

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2045

Tax Assessment & Valuation

Source: Suffolk County and Brookhaven Town assessment roll, as of August 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$3,280 (-) Land $500 Building $2,780	$683,334 (+11,150.15%) Land $94,340 Building $524,528
2024	$13,238.00
2023		$3,280 Land $500 Building $2,780	$6,074 Land $926 Building $5,148

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

Flood

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	4 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.

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	0.01% 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 178 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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