Suffolk County and Islip Town property record for 398 Howells Rd, Bay Shore, NY 11706
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $13,246 (2024) |
| Deeds & Mortgages | Oct 2017 Mortgage Oct 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 472889 338.-1-48 |
| Primary APN | 472889 338.-1-48 |
|---|---|
| Alternative APNs |
|
| Lot Area | 16,117 sqft (0.37 acres) |
|---|---|
| Lot Width | 108 ft Width |
| Account Number | 649010 |
|---|---|
| Street Address | 398 HOWELLS RD |
| City | BAY SHORE |
| State | NY |
| Zip | 11706-5315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | X2198777Y185876 T037H00000000 |
| Legal Block | 8000 |
| Legal Lot Number | 100 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | ISLIP |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 146706 |
398 Howells Rd is owned and occupied by two individuals.
Source: Suffolk County and Islip Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 398 HOWELLS RD, BAY SHORE, NY 11706-5315 |
| 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 |
|---|---|
| Oct 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CITICORP SVGS/IL |
| Oct 26, 2017 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage CITIBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 398 HOWELLS RD, BAY SHORE, NY 11706-5315 |
| Document Number | 0228910887 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 398 HOWELLS RD BAY SHORE NY 117065315, BAY SHORE, NY 11706-5315 |
| Document Number | 0228910887 |
|---|---|
| Date | Jan 11, 2018 |
| Book Page | 022891/000887 |
| Name | CITICORP SVGS/IL |
|---|---|
| Type | Federal Savings Bank |
| Address | O FALLON, MO 63368-2248 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 10, 2038 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 398 HOWELLS RD, BAY SHORE, NY 11706-5315 |
| Document Number | 0229020285 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 398 HOWELLS RD BAY SHORE NY 117065315, BAY SHORE, NY 11706-5315 |
| Document Number | 0229020285 |
|---|---|
| Date | Feb 20, 2018 |
| Book Page | 022902/000285 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Address | 1000 TECHNOLOGY DR, O FALLON, MO 63368-2239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 19, 2038 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
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 | West Islip Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $48,500 Land $10,100 Building $38,400 | $683,099 (-) Land $142,254 Building $540,845 | |
| 2024 | $13,246.00 | $683,099 (+2.54%) Land $142,254 Building $540,845 | |
| 2023 | $48,500 Land $10,100 Building $38,400 | $666,209 Land $138,736 Building $527,473 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 398 Howells Rd in Zone X, an area of minimal flood risk, though there have been 2 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 | 4 in force |
| Nearby Flood Claims | 2 (1979–1980) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Mar 1980 · 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 risk around 398 Howells Rd 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 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 256 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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