Suffolk County and Islip Town property record for 446 Spruce Ave, West Islip, NY 11795
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $490,000 (Nov 2005) |
| Tax Bill | $13,528 (2024) |
| Deeds & Mortgages | Dec 2021 Refinance Apr 2018 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 472889 414.-3-28 |
| Primary APN | 472889 414.-3-28 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,890 sqft (0.25 acres) |
|---|---|
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Account Number | 671520 |
|---|---|
| Street Address | 446 SPRUCE AVE |
| City | WEST ISLIP |
| State | NY |
| Zip | 11795-2717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | X2193216Y178964 T036H00000000 |
| Legal Block | 4000 |
| Legal Lot Number | 300 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | ISLIP |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 146800 |
Source: Suffolk County and Islip Town records, as of August 11, 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 | 446 SPRUCE AVE, WEST ISLIP, NY 11795-2717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Apr 16, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Feb 11, 2020 | Deed of Trust, Mortgage · Line of Credit CHASE BK/TX |
| Mar 8, 2018 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage JPMORGAN CHASE BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2005 · Amount on Record |
| Deed Sale | Nov 17, 2005 · Amount on Record |
| Prior Sale | Apr 9, 2001 · Amount on Record |
| Deed Book / Page | 12420 / 578 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 446 SPRUCE AVE, WEST ISLIP, NY 11795-2717 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0233610301 |
|---|---|
| Date | Dec 23, 2021 |
| Book Page | 23361/301 |
| Instrument | DM055033 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 446 SPRUCE AVE, WEST ISLIP, NY 11795-2717 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0229170823 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 22917/823 |
| Instrument | 18-0069262 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 446 SPRUCE AVE, WEST ISLIP, NY 11795-2717 |
| Document Number | 0231140911 |
| Instrument Date | Feb 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 446 SPRUCE AVE WEST ISLIP NY 117952717, WEST ISLIP, NY 11795-2717 |
| Document Number | 0231140911 |
|---|---|
| Date | Mar 12, 2020 |
| Book Page | 023114/000911 |
| Name | CHASE BK/TX |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 11, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 446 SPRUCE AVE, WEST ISLIP, NY 11795-2717 |
| Document Number | 0229170824 |
| Instrument Date | Mar 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 446 SPRUCE AVE WEST ISLIP NY 117952717, WEST ISLIP, NY 11795-2717 |
| Document Number | 0229170824 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 022917/000824 |
| Name | JPMORGAN CHASE BK NA |
|---|---|
| Address | 1111 POLARIS PKWY, COLUMBUS, OH 43240-2031 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 15, 2038 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
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 | $46,000 (-) Land $9,400 Building $36,600 | $647,887 (-) Land $132,394 Building $515,493 | |
| 2024 | $13,528.00 | $647,887 (+2.54%) Land $132,394 Building $515,493 | |
| 2023 | $46,000 Land $9,400 Building $36,600 | $631,868 Land $129,121 Building $502,747 |
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 422 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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