22 Cotter St, West Islip, NY 11795 Property Records

Suffolk County and Islip Town property record for 22 Cotter St, West Islip, NY 11795

Property Summary

Property Type	Single Family Home
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Mar 2017)
Deeds & Mortgages	May 2021 Refinance Mar 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`472889 311.-1-62`

Property Details

APN / Parcel Number

Primary APN	`472889 311.-1-62`
Alternative APNs	`0500-311.00-01.00-062.000` `288931100000010620000000` `472800631640` `655470`

Exterior

Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	150 ft deep x 75 ft wide

Location & Zoning

Account Number	655470
Street Address	22 COTTER ST
City	WEST ISLIP
State	NY
Zip	11795-1019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	X2192278Y186963 T015H00000000
Legal Subdivision	CAUSEWAY ACRES
Legal Block	1000
Legal Lot Number	100
Jurisdiction	SUFFOLK NY
Township / Civil Division	ISLIP
Census Block Group	2
Census Block	2004
Census Tract	146704

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	Individual Name on Record
Mailing Address	22 COTTER ST, WEST ISLIP, NY 11795-1019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Mar 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Oct 15, 2019	Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage WELLS FARGO BK
Mar 27, 2017	Grant Deed, Transfer · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2017 · Amount on Record
Deed Sale	Mar 27, 2017 · Amount on Record
Deed Book / Page	12906 / 54
Prior Transfer Date	Nov 15, 2002
Prior Transfer Doc	0123020983
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	22 COTTER ST, WEST ISLIP, NY 11795-1019
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0232770023
Date	May 19, 2021
Book Page	23277/23
Instrument	DM011518

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	22 COTTER ST, WEST ISLIP, NY 11795-1019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0231110091
Date	Mar 2, 2020
Book Page	23111/91
Instrument	DK043410

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Apr 1, 2039

October 2019: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	22 COTTER ST, WEST ISLIP, NY 11795-1019
Document Number	0231110092
Instrument Date	Oct 15, 2019
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 COTTER ST WEST ISLIP NY 117951019, WEST ISLIP, NY 11795-1019

Mortgage

Document Number	0231110092
Date	Mar 2, 2020
Book Page	023111/000092

Lender

Name	WELLS FARGO BK
Type	Bank
Address	MINNEAPOLIS, MN 55467-8000

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2040

Interest

Rate Type	Fixed Rate
Rate	3.62%

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Mar 27, 2017
Property Address	22 COTTER ST, WEST ISLIP, NY 11795-1019
Document Number	0129060054
Book / Page	012906 / 000054
Instrument Date	Mar 3, 2017
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	VANGUARD NATIONAL TITLE, VANGUARD NAT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,560.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 GREENWOOD DR MASSAPEQUA NY 117582228, MASSAPEQUA, NY 11758-2228

Mortgage

Document Number	228020282
Date	Mar 27, 2017
Book Page	022802/000282

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2047

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	$39,500 (-) Land $7,500 Building $32,000
2024		$556,338 (+2.54%) Land $105,634 Building $450,704
2023	$39,500 Land $7,500 Building $32,000	$542,582 Land $103,022 Building $439,560

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1998–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 96% of the US · lower than 95% of New York
Wildfire Likelihood	Under 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 486 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	2,300 / 2,300

May also be available: Frontier.

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