43 Wavecrest Dr, Mastic Beach, NY 11951 Property Records

Suffolk County and Brookhaven Town property record for 43 Wavecrest Dr, Mastic Beach, NY 11951

Property Summary

Property Type	Single Family Home
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$198,000 (Sep 2019)
Tax Bill	$7,659 (2024)
Deeds & Mortgages	Mar 2023 Mortgage Feb 2023 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0200-975.00-07.00-036.000`

Property Details

APN / Parcel Number

Primary APN	`0200-975.00-07.00-036.000`
Alternative APNs	`472289 975.00-07-036.000` `0209013000100036000` `00004000400` `4000400`

Exterior

Lot Area	6,098 sqft (0.14 acres)
View / Lot	Waterfront

Location & Zoning

Account Number	4000400
Street Address	43 WAVECREST DR
City	MASTIC BEACH
State	NY
Zip	11951-1511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	5000
Legal Lot Number	700
Jurisdiction	SUFFOLK NY
Township / Civil Division	BROOKHAVEN
Census Block Group	1
Census Block	1003
Census Tract	159512

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Floyd, William, House listed 1980 · 11 contributing resources · NRIS 71000066

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Suffolk County and Brookhaven Town records, as of September 21, 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	43 WAVECREST DR, MASTIC BEACH, NY 11951-1511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 1, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CONTOUR MORTGAGE CORP
Feb 1, 2023	Deed, Transfer
Jun 23, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Jun 23, 2020	Loan Modification, Consolidation and Extension, Mortgage · FHA Mortgage FREEDOM MTG
Sep 5, 2019	Grant Deed, Transfer · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2019 · Amount on Record
Deed Sale	Sep 5, 2019 · Amount on Record
Deed Book / Page	13027 / 122
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	43 WAVECREST DR, MASTIC BEACH, NY 11951-1511
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234960256
Date	Mar 28, 2023
Book Page	23496/256

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Apr 1, 2049

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	43 WAVECREST DR, MASTIC BEACH, NY 11951-1511
Transaction Type	Mortgage
Record Updated	Jan 30, 2024
Title Company	SECURITY TITLE AND GUARANTY, SECURITY TITLE/GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0234790069
Date	Feb 1, 2023
Book Page	23479/69

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Mar 1, 2051

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Feb 1, 2023
Property Address	43 WAVECREST DR, MASTIC BEACH, NY 11951-1511
Document Number	0131870278
Book / Page	13187 / 278
Instrument Date	Nov 29, 2022
Transaction Type	Transfer
Record Updated	Jan 30, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 VAN BUREN ST, MASTIC, NY 11950-4118
Investor	Possibly a Property Investor

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	43 WAVECREST DR, MASTIC BEACH, NY 11951-1511
Document Number	0231530394
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Sep 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 WAVECREST DR MASTIC BEACH NY 119511511, MASTIC BEACH, NY 11951-1511

Mortgage

Document Number	0231530394
Date	Jul 15, 2020
Book Page	023153/000394

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

June 2020: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	43 WAVECREST DR, MASTIC BEACH, NY 11951-1511
Document Number	0231650471
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 8, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 WAVECREST DR MASTIC BEACH NY 119511511, MASTIC BEACH, NY 11951-1511

Mortgage

Document Number	0231650471
Date	Aug 21, 2020
Book Page	023165/000471

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Sep 5, 2019
Property Address	43 WAVECREST DR, MASTIC BEACH, NY 11951-1511
Document Number	0130270122
Book / Page	013027 / 000122
Instrument Date	Aug 5, 2019
Transaction Type	Transfer
Record Updated	May 20, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16 LINCOLN AVE PORT JEFFERSON STATION NY 117761517, PORT JEFFERSON STATION, NY 11776-1517

Mortgage

Document Number	230570912
Date	Sep 5, 2019
Book Page	023057/000912

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2049

Tax Assessment & Valuation

Source: Suffolk County and Brookhaven Town assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Brookhaven Town
Unified School District	William Floyd Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,850 (-) Land $100 Building $1,750	$385,416 (+11,149.74%) Land $18,868 Building $330,189
2024	$7,659.00
2023		$1,850 (-) Land $100 Building $1,750	$3,426 (+14.81%) Land $185 Building $3,241
2022		$1,850 Land $100 Building $1,750	$2,984 Land $161 Building $2,823

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 30 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	52 (1978–2024)
Claims Outside the SFHA	5 of 52
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 14 claims Hurricane Irene, Aug 2011 · 6 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 7 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000

Cell Coverage

5G (outdoors only) and 4G LTE

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