Suffolk County and Brookhaven Town property record for 40 Lower Cross, Shoreham, NY 11786 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,145 sqft · built 1972 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $455,000 (Sep 2020) |
| Tax Bill | $13,591 (2024) |
| Deeds & Mortgages | Nov 2022 Line of Credit Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0200-079.00-01.00-014.000 |
| Primary APN | 0200-079.00-01.00-014.000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,145 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 14,810 sqft (0.34 acres) |
| View / Lot | Waterfront |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Radiant |
|---|
| Account Number | 1914230 |
|---|---|
| Street Address | 40 LOWER CROSS |
| City | SHOREHAM |
| State | NY |
| Zip | 11786-1434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHOREHAM BEACH 1525 SEC 1 3 |
| Legal Subdivision | SHOREHAM BEACH |
| Legal Block | 9000 |
| Legal Lot Number | 100 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | BROOKHAVEN |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 158402 |
Source: Suffolk County and Brookhaven Town records · APN 0200-079.00-01.00-014.000
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 40 LOWER CROSS, SHOREHAM, NY 11786-1434 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2022 | Deed of Trust, Mortgage · Line of Credit TEACHERS FCU |
| Sep 03, 2020 | Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 03, 2020 · Amount on Record |
| Deed Sale | Sep 03, 2020 · Amount on Record |
| Deed Book / Page | 13070 / 41 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 40 LOWER CROSS, SHOREHAM, NY 11786-1434 |
| Transaction Type | Mortgage |
| Record Updated | Jan 02, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0234620828 |
|---|---|
| Date | Nov 18, 2022 |
| Book Page | 23462/828 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Dec 01, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Sep 03, 2020 |
| Property Address | 40 LOWER CROSS, SHOREHAM, NY 11786-1434 |
| Document Number | 0130700041 |
| Book / Page | 13070 / 41 |
| Instrument Date | Aug 20, 2020 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 258 PAMLICO AVE, RONKONKOMA, NY 11779-5119 |
| Document Number | DL024273 |
|---|---|
| Date | Sep 03, 2020 |
| Instrument | DL024273 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
Source: Suffolk County and Brookhaven Town records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Brookhaven Town |
| Unified School District | Shoreham-Wading River Central School District (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,370 (-) Land $400 Building $2,970 | $702,083 (+11,149.53%) Land $75,472 Building $560,377 | |
| 2024 | $13,591.00 | ||
| 2023 | $3,370 Land $400 Building $2,970 | $6,241 Land $741 Building $5,500 |
Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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