Suffolk County and Islip Town property record for 495 Ralph Ave, Central Islip, NY 11722
| Property Type | Single Family Home |
|---|---|
| Details | 1,480 sqft · built 1935 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $450,000 (Aug 2022) |
| Tax Bill | $9,014 (2024) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Jun 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 472889 97.-1-15 |
| Primary APN | 472889 97.-1-15 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,480 sqft Living Area |
|---|---|
| 1st Floor Area | 1,480 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Account Number | 300270 |
|---|---|
| Street Address | 495 RALPH AVE |
| City | CENTRAL ISLIP |
| State | NY |
| Zip | 11722-1921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA |
| Legal Description | X2216504Y208088 T011H00000000 |
| Legal Subdivision | MOTOR PKWY ACREAGE |
| Legal Block | 7000 |
| Legal Lot Number | 100 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | ISLIP |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 145703 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 495 RALPH AVE, CENTRAL ISLIP, NY 11722-1921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2022 | Deed, Transfer · Stand-Alone First Mortgage SUFFOLK FCU |
| Jun 1, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 30, 2020 | Loan Modification, Consolidation and Extension, Mortgage · FHA Mortgage FREEDOM MTG |
| Nov 26, 2018 | Deed, Transfer |
| Jul 26, 2017 | Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2022 · Amount on Record |
| Deed Sale | Aug 18, 2022 · Amount on Record |
| Prior Sale | Nov 26, 2018 · Amount on Record |
| Deed Book / Page | 13170 / 176 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Aug 18, 2022 |
| Property Address | 495 RALPH AVE, CENTRAL ISLIP, NY 11722-1921 |
| Document Number | 0131700176 |
| Book / Page | 13170 / 176 |
| Instrument Date | Jun 29, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 TANGIER DR, SOUND BEACH, NY 11789-2128 |
| Document Number | 0002344983 |
|---|---|
| Date | Aug 18, 2022 |
| Instrument | 23449/83 |
| Name | SUFFOLK FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 495 RALPH AVE, CENTRAL ISLIP, NY 11722-1921 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231390639 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 23139/639 |
| Instrument | DL008778 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jul 1, 2049 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 495 RALPH AVE, CENTRAL ISLIP, NY 11722-1921 |
| Document Number | 0231390640 |
| Instrument Date | Mar 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 495 RALPH AVE CENTRAL ISLIP NY 117221921, CENTRAL ISLIP, NY 11722-1921 |
| Document Number | 0231390640 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 023139/000640 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 31, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Nov 26, 2018 |
| Property Address | 495 RALPH AVE, CENTRAL ISLIP, NY 11722-1921 |
| Document Number | 0129880668 |
| Book / Page | 12988 / 668 |
| Instrument Date | Nov 5, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jul 26, 2017 |
| Property Address | 495 RALPH AVE, CENTRAL ISLIP, NY 11722-1921 |
| Document Number | 0129220087 |
| Book / Page | 012922 / 000087 |
| Instrument Date | Feb 3, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $620.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 100 VETERANS HWY HAUPPAUGE NY 117885402, HAUPPAUGE, NY 11788-5402 |
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 | Central Islip Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $31,300 (+11.39%) Land $10,200 Building $21,100 | $440,845 (-) Land $143,662 Building $297,183 | |
| 2024 | $9,014.00 | $440,845 (+14.21%) Land $143,662 Building $297,183 | |
| 2023 | $28,100 (-) Land $10,200 Building $17,900 | $385,989 (+13.74%) Land $140,110 Building $245,879 | |
| 2022 | $28,100 Land $10,200 Building $17,900 | $339,372 Land $123,188 Building $216,184 |
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 6 (1978–1981) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Feb 1981 · rainfall accumulation |
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 | Low lower than 99.1% of the US · lower than 99.2% 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.
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 384 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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