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38 Lower Cross, Shoreham, NY 11786 Property Records

Suffolk County and Brookhaven Town property record for 38 Lower Cross, Shoreham, NY 11786 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,574 sqft · built 1972
Lot Size0.35 acres (15,246 sqft)
Owner2 Individual Names on File
Last Sale$500,000 (Feb 2022)
Tax Bill$13,316 (2024)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Dec 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN0200-079.00-01.00-015.000

Property Details

APN / Parcel Number

Primary APN0200-079.00-01.00-015.000
Alternative APNs
  • 472289 079.00-01-015.000
  • 228907900000010150000000
  • 00001914240
  • 0001914240
  • 1914240

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,574 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1972
Architectural StyleRanch
Exterior MaterialWood
Lot Area15,246 sqft (0.35 acres)
View / LotWaterfront
Garage TypeBasement
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemRadiant

Location & Zoning

Account Number1914240
Street Address38 LOWER CROSS
CitySHOREHAM
StateNY
Zip11786-1434
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSHOREHAM BEACH 1525 SEC 1 4
Legal SubdivisionSHOREHAM BEACH
Legal Block9000
Legal Lot Number100
JurisdictionSUFFOLK NY
Township / Civil DivisionBROOKHAVEN
Census Block Group2
Census Block2028
Census Tract158402

Owner

Source: Suffolk County and Brookhaven Town records · APN 0200-079.00-01.00-015.000

Assessment roll updated August 11, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address38 LOWER CROSS, SHOREHAM, NY 11786-1434
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

DateDocument
Feb 08, 2022Deed, Transfer · Stand-Alone First Mortgage
EVOLVE BANK & TRUST
Dec 26, 2019Loan Modification, Mortgage
MR COOPER

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 08, 2022 · Amount on Record
Deed SaleFeb 08, 2022 · Amount on Record
Prior SaleOct 03, 1997 · Amount on Record
Deed Book / Page13142 / 61
Record UpdatedSep 20, 2026

February 2022: Deed, Transfer

Document TypeDeed
JurisdictionSUFFOLK NY
Recording DateFeb 08, 2022
Property Address38 LOWER CROSS, SHOREHAM, NY 11786-1434
Document Number0131420061
Book / Page13142 / 61
Instrument DateDec 20, 2021
Transaction TypeTransfer
Record UpdatedApr 03, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address46 PAIGE LN, MORICHES, NY 11955-1820

Mortgage

Document Number0023380359
DateFeb 08, 2022
Instrument23380/359
Lender
NameEVOLVE BANK & TRUST
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2052

December 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSUFFOLK NY
Property Address38 LOWER CROSS, SHOREHAM, NY 11786-1434
Document Number0231150433
Instrument DateDec 26, 2019
Transaction TypeMortgage
Record UpdatedJun 15, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address38 LOWER CROSS SHOREHAM NY 117861434, SHOREHAM, NY 11786-1434

Mortgage

Document Number0231150433
DateMar 16, 2020
Book Page023115/000433
Lender
NameMR COOPER
Address8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620
Agreement
AmountAmount Recorded
Term360 Months
DueMar 15, 2050
Interest
Rate TypeAdjustable Rate
Rate4.12%

Tax Assessment & Valuation

Source: Suffolk County and Brookhaven Town records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateNew York
CountySuffolk County
County SubdivisionBrookhaven Town
Unified School DistrictShoreham-Wading River Central School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,100 (-6.06%) Land $400 Building $2,700$645,833 (+10,468.37%) Land $75,472 Building $509,434
2024$13,316.00
2023$3,300 Land $400 Building $2,900$6,111 Land $741 Building $5,370

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031584022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 4 individual NFIP policies nearby
Nearby Flood Policies4 in force
4 of 4 on primary residences

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 7,692 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

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