Suffolk County and Islip Town property record for 407 Spruce Ave, West Islip, NY 11795
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $395,000 (Dec 2009) |
| Deeds & Mortgages | Apr 2021 Refinance Jul 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 472889 414.-3-38 |
| Primary APN | 472889 414.-3-38 |
|---|---|
| Alternative APNs |
|
| Lot Area | 11,326 sqft (0.26 acres) |
|---|---|
| Lot Width | 95.3 ft Width |
| Account Number | 671420 |
|---|---|
| Street Address | 407 SPRUCE AVE |
| City | WEST ISLIP |
| State | NY |
| Zip | 11795-2709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | X2194054Y179158 T036H00000000 |
| Legal Block | 4000 |
| Legal Lot Number | 300 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | ISLIP |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 146800 |
Source: Suffolk County and Islip Town records, as of April 30, 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 Record |
|---|---|
| Mailing Address | 407 SPRUCE AVE, WEST ISLIP, NY 11795-2709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ONE AMERICAN BANK |
| Jul 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Aug 7, 2017 | Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2009 · Amount on Record |
| Deed Sale | Dec 15, 2009 · Amount on Record |
| Prior Sale | Aug 4, 1999 · Amount on Record |
| Deed Book / Page | 12609 / 697 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 407 SPRUCE AVE, WEST ISLIP, NY 11795-2709 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0232610966 |
|---|---|
| Date | Apr 19, 2021 |
| Book Page | 23261/966 |
| Instrument | DM003961 |
| Name | ONE AMERICAN BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 407 SPRUCE AVE, WEST ISLIP, NY 11795-2709 |
| Document Number | 0228400482 |
| Instrument Date | Jul 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2017 |
| Title Company | SECURITY TITLE GUARANTEE CORPORATION, SECURITY TITLE GUARANTEE CORP |
| Name | Verified Name |
|---|---|
| Address | 407 SPRUCE AVE WEST ISLIP NY 117952709, WEST ISLIP, NY 11795-2709 |
| Document Number | 0228400482 |
|---|---|
| Date | Aug 7, 2017 |
| Book Page | 022840/000482 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 6, 2047 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Aug 7, 2017 |
| Property Address | 407 SPRUCE AVE, WEST ISLIP, NY 11795-2709 |
| Document Number | 0228400483 |
| Book / Page | 022840 / 000483 |
| Instrument Date | Jul 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | BLUE OCEAN ABSTRACT, BLUE OCEAN ABS |
| Name | Verified Name |
|---|---|
| Address | 407 SPRUCE AVE WEST ISLIP NY 117952709, WEST ISLIP, NY 11795-2709 |
| Document Number | 228400483 |
|---|---|
| Date | Aug 7, 2017 |
| Book Page | 022840/000483 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 6, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
Source: Suffolk County and Islip Town assessment roll, as of April 30, 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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $39,800 (-) Land $9,400 Building $30,400 | |
| 2024 | $560,563 (+2.54%) Land $132,394 Building $428,169 | |
| 2023 | $39,800 Land $9,400 Building $30,400 | $546,703 Land $129,121 Building $417,582 |
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 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 5 (2010–2014) |
| Claims Outside the SFHA | 4 of 5 |
| 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 | 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 428 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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