21 Cumberland St, Islip, NY 11751 Property Records

Suffolk County and Islip Town property record for 21 Cumberland St, Islip, NY 11751

Property Summary

Property Type	Duplex
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Mar 2023)
Tax Bill	$11,457 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`472889 270.-2-61`

Property Details

APN / Parcel Number

Primary APN	`472889 270.-2-61`
Alternative APNs	`0500-270.00-02.00-061.000` `288927000000020610000000` `472800544480` `573058`

Exterior

Architectural Style	Duplex Single
Lot Area	8,712 sqft (0.2 acres)
Lot Width	104 ft Width

Location & Zoning

Account Number	573058
Street Address	21 CUMBERLAND ST
City	ISLIP
State	NY
Zip	11751-1014
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	B
Legal Description	X2214261Y191773 T043H00000000
Legal Subdivision	PINES/ISLIP
Legal Block	0002
Legal Lot Number	200
Jurisdiction	SUFFOLK NY
Township / Civil Division	ISLIP
Census Block Group	1
Census Block	1016
Census Tract	146103

Owner

21 Cumberland St, a duplex, is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 CUMBERLAND ST, ISLIP, NY 11751-1014
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
Apr 15, 2026	Deed of Trust, Mortgage UNITED WHOLESALE MORTGAGE
Mar 1, 2023	Deed, Transfer · Stand-Alone First Mortgage QUONTIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2023 · Amount on File
Deed Sale	Mar 1, 2023 · Amount on File
Prior Sale	Sep 27, 1994 · Amount on File
Deed Book / Page	13191 / 339
Prior Transfer Date	Feb 10, 2003
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Recording Date	Apr 15, 2026
Property Address	21 CUMBERLAND ST, ISLIP, NY 11751-1014
Document Number	0237220319
Book / Page	23722 / 319
Instrument Date	Jan 28, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 CUMBERLAND ST, ISLIP, NY 11751-1014
Investor	Possibly a Property Investor

Mortgage

Document Number	2372000319,
Date	Apr 15, 2026
Book Page	23722/319

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.15%
Max Rate	-1%

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Mar 1, 2023
Property Address	21 CUMBERLAND ST, ISLIP, NY 11751-1014
Document Number	0131910339
Book / Page	13191 / 339
Instrument Date	Nov 4, 2022
Transaction Type	Transfer
Record Updated	Feb 6, 2024
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
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	Joint Tenants with Right of Survivorship
Address	174 CALEBS PATH, BRENTWOOD, NY 11717-2502

Mortgage

Document Number	0023487419
Date	Mar 1, 2023
Instrument	23487/419

Lender

Name	QUONTIC BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

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	Islip Union Free School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$40,000 Land $7,200 Building $32,800	$563,380 (-) Land $101,408 Building $461,972
2024	$11,457.00		$563,380 (+7.93%) Land $101,408 Building $461,972
2023		$38,000 (-) Land $7,200 Building $30,800	$521,978 (+13.74%) Land $98,901 Building $423,077
2022	Homeowner's exemption	$38,000 Land $7,200 Building $30,800	$458,938 Land $86,957 Building $371,981

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

FEMA maps place 21 Cumberland St in Zone X, an area of minimal flood risk, though there have been 6 flood claims 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	7 in force
Nearby Flood Claims	6 (1979–2014)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2014 · 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 21 Cumberland St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 491 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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