49 Spruce St, Central Islip, NY 11722 Property Records

Suffolk County and Islip Town property record for 49 Spruce St, Central Islip, NY 11722

Property Summary

Property Type	Single Family Home
Details	912 sqft · built 1950
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$166,000 (Feb 2021)
Tax Bill	$8,410 (2024)
Deeds & Mortgages	Mar 2022 Refinance Mar 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`472889 100.-2-42`

Property Details

APN / Parcel Number

Primary APN	`472889 100.-2-42`
Alternative APNs	`0500-100.00-02.00-042.000` `288910000000020420000000` `472800221690` `377730`

Interior

Building Area	912 sqft Living Area
1st Floor Area	912 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	280 sqft

Location & Zoning

Account Number	377730
Street Address	49 SPRUCE ST
City	CENTRAL ISLIP
State	NY
Zip	11722-3113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Description	X2225668Y207303 T025H00000000
Legal Subdivision	MAP EVERGREEN PARK
Legal Block	0002
Legal Lot Number	200
Jurisdiction	SUFFOLK NY
Township / Civil Division	ISLIP
Census Block Group	1
Census Block	1000
Census Tract	146403

Owner

49 Spruce St is owned and occupied by two individuals who bought it in February 2021.

Source: Suffolk County and Islip Town records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	49 SPRUCE ST, CENTRAL ISLIP, NY 11722-3113
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance UNMB HOME LOANS INC
Mar 1, 2022	Deed, Transfer
Feb 24, 2021	Deed, Transfer · Stand-Alone First Mortgage LOAN FUNDER LLC
Dec 5, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2021 · Amount on File
Deed Sale	Feb 24, 2021 · Amount on File
Prior Sale	Dec 5, 2019 · Amount on File
Deed Book / Page	13092 / 358
Prior Transfer Date	Jan 22, 2021
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	49 SPRUCE ST, CENTRAL ISLIP, NY 11722-3113
Transaction Type	Mortgage
Record Updated	Feb 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233870205
Date	Mar 1, 2022
Book Page	23387/205
Instrument	DM068181

Lender

Name	UNMB HOME LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Mar 1, 2022
Property Address	49 SPRUCE ST, CENTRAL ISLIP, NY 11722-3113
Document Number	0131440965
Book / Page	13144 / 965
Instrument Date	Jan 7, 2022
Transaction Type	Transfer
Record Updated	May 31, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 E WALNUT ST, CENTRAL ISLIP, NY 11722-3855

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Feb 24, 2021
Property Address	49 SPRUCE ST, CENTRAL ISLIP, NY 11722-3113
Document Number	0130920358
Book / Page	13092 / 358
Instrument Date	Jan 22, 2021
Transaction Type	Transfer
Record Updated	May 31, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5063 HEATHERHILL LN APT 7, 7, BOCA RATON, FL 33486-8599

Mortgage

Document Number	00DL056407
Date	Feb 24, 2021
Instrument	DL056407

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SUFFOLK NY
Recording Date	Dec 5, 2019
Property Address	49 SPRUCE ST, CENTRAL ISLIP, NY 11722-3113
Document Number	0130380910
Book / Page	013038 / 000910
Instrument Date	Nov 21, 2019
Transaction Type	Foreclosure
Record Updated	Dec 30, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$4.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	129 SUNKEN MEADOW RD FORT SALONGA NY 117682525, FORT SALONGA, NY 11768-2525

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Islip Town
Unified School District	Central Islip Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$24,800 Land $5,800 Building $19,000	$349,296 (-) Land $81,690 Building $267,606
2024	$8,410.00		$349,296 (+2.54%) Land $81,690 Building $267,606
2023		$24,800 Land $5,800 Building $19,000	$340,659 Land $79,670 Building $260,989

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.

Flood

FEMA maps place 49 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 49 Spruce St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	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 286 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

May also be available: T-Mobile.

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