Suffolk County and Islip Town property record for 31 Howells Rd, Bay Shore, NY 11706
| Property Type | Duplex |
|---|---|
| Details | 1,237 sqft · built 1950 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $485,000 (Dec 2021) |
| Tax Bill | $12,413 (2024) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Aug 2016 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 472889 340.-3-86 |
| Primary APN | 472889 340.-3-86 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,237 sqft Living Area |
|---|---|
| 1st Floor Area | 825 sqft |
| Basement Area | 700 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Duplex Single |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Width | 71.4 ft Width |
| Garage Type | Detached |
| Garage Area | 288 sqft |
| Account Number | 008590 |
|---|---|
| Street Address | 31 HOWELLS RD |
| City | BAY SHORE |
| State | NY |
| Zip | 11706-6517 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | B |
| Legal Description | X2206556Y184298 T040H00000000 |
| Legal Block | 0003 |
| Legal Lot Number | 300 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | ISLIP |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 147202 |
31 Howells Rd, a duplex, is owned and occupied by two individuals who bought it in December 2021.
Source: Suffolk County and Islip Town records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 31 HOWELLS RD, BAY SHORE, NY 11706-6517 |
| 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.
| Date | Document |
|---|---|
| Dec 10, 2021 | Deed, Transfer · Stand-Alone First Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 17, 2016 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Aug 17, 2016 | Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2021 · Amount on File |
| Deed Sale | Dec 10, 2021 · Amount on File |
| Prior Sale | Jul 31, 1996 · Amount on File |
| Deed Book / Page | 13133 / 698 |
| Prior Transfer Date | Nov 14, 2003 |
| Prior Transfer Doc | 0122950066 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Dec 10, 2021 |
| Property Address | 31 HOWELLS RD, BAY SHORE, NY 11706-6517 |
| Document Number | 0131330698 |
| Book / Page | 13133 / 698 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 65 SWORD ST, WEST BABYLON, NY 11704-2114 |
| Document Number | 00DM051057 |
|---|---|
| Date | Dec 10, 2021 |
| Instrument | DM051057 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 31 HOWELLS RD, BAY SHORE, NY 11706-6517 |
| Document Number | 0228000699 |
| Book / Page | 022800 / 000699 |
| Instrument Date | Aug 17, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 31 HOWELLS RD BAY SHORE NY 117066517, BAY SHORE, NY 11706-6517 |
| Document Number | 0228000699 |
|---|---|
| Date | Mar 22, 2017 |
| Book Page | 022800/000699 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 21, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 31 HOWELLS RD, BAY SHORE, NY 11706-6517 |
| Document Number | 0228240189 |
| Instrument Date | Aug 17, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 31 HOWELLS RD BAY SHORE NY 117066517, BAY SHORE, NY 11706-6517 |
| Document Number | 0228240189 |
|---|---|
| Date | Jun 7, 2017 |
| Book Page | 022824/000189 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 6, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
Source: Suffolk County and Islip Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Islip Town |
| Unified School District | Bay Shore Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $38,100 Land $7,000 Building $31,100 | $536,620 (-) Land $98,592 Building $438,028 | |
| 2024 | $12,413.00 | $536,620 (+2.54%) Land $98,592 Building $438,028 | |
| 2023 | $38,100 Land $7,000 Building $31,100 | $523,352 Land $96,154 Building $427,198 |
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.
FEMA maps place 31 Howells Rd in Zone X, an area of minimal flood risk.
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.
The area around 31 Howells Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 580 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 |
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