428 Oceanfront, Long Beach, NY 11561 Property Records

Nassau County and Long Beach City property record for 428 Oceanfront, Long Beach, NY 11561

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,853 sqft · built 1997
Lot Size	0.043 acres (1,879 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Sep 1998)
Tax Bill	$9,543 (2025)
Deeds & Mortgages	Jan 2026 Mortgage
Flood Zone	Zone AE (high risk)
APN	`59-281-00-0014`

Property Details

APN / Parcel Number

Primary APN	`59-281-00-0014`
Alternative APNs	`1000-59-281-00-0014-0` `59281000014000000000` `281000 59.-281-14` `59281 00140`

Interior

Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,853 sqft Living Area
1st Floor Area	1,175 sqft
Basement Area	588 sqft
Finished Basement	588 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Material	Other
Lot Area	1,879 sqft (0.043 acres)
Lot Dimensions	12 ft deep x 14 ft wide
View / Lot	Ocean
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Open Frame Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	59281 00140
Street Address	428 OCEANFRONT
City	LONG BEACH
State	NY
Zip	11561-3100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14-15
Legal Subdivision	MAP OF LONG BEACH ON THE BOARDWALK
Legal Block	281
Legal Lot Number	14-15
Jurisdiction	NASSAU NY
Township / Civil Division	LONG BEACH
Census Block Group	5
Census Block	5006
Census Tract	416600

Owner

Source: Nassau County and Long Beach City records · APN 59-281-00-0014

Assessment roll updated June 17, 2026 · Last verified June 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	428 OCEANFRONT, LONG BEACH, NY 11561-3100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 18, 1998 · Amount on Record
Deed Sale	Sep 18, 1998 · Amount on Record
Deed Book / Page	10961 / 289
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU NY
Property Address	428 OCEANFRONT, LONG BEACH, NY 11561-3100
Transaction Type	Mortgage
Record Updated	Feb 02, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 LONG BEACH BLVD, LONG BEACH, NY 11561-2219

Mortgage

Document Number	M482810336
Date	Jan 05, 2026
Book Page	M48281/336
Instrument	2026-674

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jan 01, 2031
Change Frequency	6 Months
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.2%

Tax Assessment & Valuation

Source: Nassau County and Long Beach City records · Assessment roll updated June 17, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	New York
County	Nassau County
Municipality	Long Beach City
Unified School District	Long Beach City School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$750 (+2.88%) Land $382 Building $368	$750,000 (+2.88%)
2025	$9,543.00 (+11.55%)
2023	$8,555.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$729 Land $371 Building $358	$729,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Nassau County (36059C), updated April 5, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360594166005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	15.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 117 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	257 units insured incl. 140 condo units
Nearby Flood Claims	164 (1985–2023)
Claims Outside the SFHA	72 of 164
Most Recent Claim	Sep 2023 · Severe Storm And Flooding
Claims by Event	Hurricane Sandy, Nov 2012 · 125 claims Hurricane Irene, Sep 2011 · 14 claims Severe Storms And Flooding, Mar 2010 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 789 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	LONG BEACH CITY serves 35,000 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.