20 E Bay Dr, West Islip, NY 11795 Property Records

Suffolk County and Islip Town property record for 20 E Bay Dr, West Islip, NY 11795

Property Summary

Property Type	Single Family Home
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$825,000 (Jul 2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jul 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`472889 474.-2-39`

Property Details

APN / Parcel Number

Primary APN	`472889 474.-2-39`
Alternative APNs	`0500-474.00-02.00-039.000` `288947400000020390000000` `472800951120` `617990`

Exterior

Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	110 ft deep x 80 ft wide

Location & Zoning

Account Number	617990
Street Address	20 E BAY DR
City	WEST ISLIP
State	NY
Zip	11795-4802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	X2195025Y171559 T054H00000000
Legal Block	4000
Legal Lot Number	200
Jurisdiction	SUFFOLK NY
Township / Civil Division	ISLIP
Census Block Group	2
Census Block	2006
Census Tract	146902

Owner

Source: Suffolk County and Islip Town records, as of August 11, 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	6 KAYS CT, NORTH BABYLON, NY 11703-5015
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit FOURLEAF FCU
Jul 16, 2025	Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Jul 31, 2023	Deed, Transfer NEW MILLENNIUM TITLE GROUP
Jul 31, 2023	Deed, Transfer · Stand-Alone First Mortgage NATIONWIDE MORTGAGE BANKERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2025 · Amount on Record
Deed Sale	Jul 16, 2025 · Amount on Record
Prior Sale	Jul 31, 2023 · Amount on Record
Deed Book / Page	13301 / 821
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	20 E BAY DR, WEST ISLIP, NY 11795-4802
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0236930634
Date	Nov 5, 2025
Book Page	23693/634

Lender

Name	FOURLEAF FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	349 Months
Due	Dec 1, 2054

Interest

Rate Type	Adjustable Rate

July 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jul 16, 2025
Property Address	20 E BAY DR, WEST ISLIP, NY 11795-4802
Document Number	0133010821
Book / Page	13301 / 821
Instrument Date	May 29, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	6 KAYS CT, NORTH BABYLON, NY 11703-5015

Mortgage

Document Number	0002367120
Date	Jul 16, 2025
Instrument	23671/20

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jul 31, 2023
Property Address	20 E BAY DR, WEST ISLIP, NY 11795-4802
Document Number	0132110818
Book / Page	13211 / 818
Instrument Date	Jun 12, 2023
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	NEW MILLENNIUM TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3340 LANDON DR W UNIT 2-105, 2-105, BULLHEAD CITY, AZ 86429-7608

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jul 31, 2023
Property Address	20 E BAY DR, WEST ISLIP, NY 11795-4802
Document Number	0132110818
Book / Page	13211 / 818
Instrument Date	Jun 12, 2023
Transaction Type	Transfer
Record Updated	Feb 27, 2024
Title Company	NEW MILLENNIUM TITLE GROUP

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023524204
Date	Jul 31, 2023
Instrument	23524/204

Lender

Name	NATIONWIDE MORTGAGE BANKERS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Islip Town
Unified School District	West Islip Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$54,000 (-) Land $12,300 Building $41,700
2024		$760,563 (+2.54%) Land $173,239 Building $587,324
2023	$54,000 Land $12,300 Building $41,700	$741,758 Land $168,956 Building $572,802

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
Flood Insurance Cost	Premium on Record median of 118 policies
Nearby Flood Policies	118 in force
Nearby Flood Claims	524 (1978–2024)
Claims Outside the SFHA	185 of 524
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Hurricane Sandy, Nov 2012 · 207 claims Hurricane Irene, Sep 2011 · 47 claims Hurricane Gloria, Sep 1985 · 46 claims

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	Not rated no burnable land within ember reach

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 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300

May also be available: T-Mobile.

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