Suffolk County and Islip Town property record for 39 Tern Ct, Bay Shore, NY 11706
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $883,000 (Aug 2007) |
| Tax Bill | $24,334 (2024) |
| Deeds & Mortgages | Jul 2021 Refinance Mar 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 472889 469.-3-45 |
| Primary APN | 472889 469.-3-45 |
|---|---|
| Alternative APNs |
|
| Lot Area | 41,818 sqft (0.96 acres) |
|---|---|
| Lot Width | 152 ft Width |
| Account Number | 776036 |
|---|---|
| Street Address | 39 TERN CT |
| City | BAY SHORE |
| State | NY |
| Zip | 11706-7528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AAA |
| Legal Description | X2199445Y174671 T055H00000000 |
| Legal Block | 9000 |
| Legal Lot Number | 300 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | ISLIP |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 147003 |
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 | 39 TERN CT, BAY SHORE, NY 11706-7528 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Mar 31, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2007 · Amount on Record |
| Deed Sale | Aug 20, 2007 · Amount on Record |
| Deed Book / Page | 12518 / 735 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 39 TERN CT, BAY SHORE, NY 11706-7528 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0233030736 |
|---|---|
| Date | Jul 22, 2021 |
| Book Page | 23303/736 |
| Instrument | DM025099 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 39 TERN CT, BAY SHORE, NY 11706-7528 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0232530488 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 23253/488 |
| Instrument | DL065181 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Apr 1, 2061 |
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 | $81,400 (+2.52%) Land $16,500 Building $64,900 | $1,146,479 (-) Land $232,394 Building $914,085 | |
| 2024 | $24,334.00 | $1,146,479 (+5.12%) Land $232,394 Building $914,085 | |
| 2023 | $79,400 Land $16,500 Building $62,900 | $1,090,659 Land $226,648 Building $864,011 |
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.
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 45 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 45 in force |
| Nearby Flood Claims | 31 (1978–2014) |
| Claims Outside the SFHA | 28 of 31 |
| Most Recent Claim | Aug 2014 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
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 423 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 |
5G (outdoors only) and 4G LTE
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