540 Oak St, Copiague, NY 11726 Property Records

Suffolk County and Babylon Town property record for 540 Oak St, Copiague, NY 11726

Property Summary

Property Type	Duplex
Details	2 ba · 2,154 sqft · built 1975
Lot Size	0.186 acres (8,100 sqft)
Owner	2 Individual Names on File
Last Sale	$730,000 (Mar 2026)
Tax Bill	$9,621 (2024)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jun 2018 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`472089 197.-3-18.1`

Property Details

APN / Parcel Number

Primary APN	`472089 197.-3-18.1`
Alternative APNs	`0100-197.00-03.00-018.001` `208919700000030180010000` `472000589320` `20222717010` `20232717010` `20252717010`

Interior

Full Baths	2 Baths
Units	4 Units
Building Area	2,154 sqft Building Perimeter

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Duplex Single
Lot Area	8,100 sqft (0.186 acres)
Lot Dimensions	162 ft deep x 50 ft wide

Location & Zoning

Account Number	20252717010
Street Address	540 OAK ST
City	COPIAGUE
State	NY
Zip	11726-3206
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	E
Legal Description	N-OAK ST E-FREDON HOMES S-STARK W-MALNATTI
Legal Block	3
Legal Lot Number	18
Jurisdiction	SUFFOLK NY
Township / Civil Division	BABYLON
Census Block Group	2
Census Block	2001
Census Tract	123704

Owner

Source: Suffolk County and Babylon Town assessment roll, 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 File
Mailing Address	13 POLK ST, FREEPORT, NY 11520-6223
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Deed, Transfer CARRINGTON MORTGAGE SERVICES LLC
Jun 6, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Nov 9, 2020	Deed of Trust, Mortgage · Balloon Mortgage ISLAND FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 19, 2026 · Amount on Record
Deed Sale	Mar 19, 2026 · Amount on Record
Prior Sale	Jan 12, 2000 · Amount on Record
Deed Book / Page	13329 / 951
Prior Transfer Date	Jan 23, 2002
Prior Transfer Doc	0121660979
Record Updated	Sep 20, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Mar 19, 2026
Property Address	540 OAK ST, COPIAGUE, NY 11726-3206
Document Number	0133290951
Book / Page	13329 / 951
Instrument Date	Feb 13, 2026
Transaction Type	Transfer
Record Updated	Apr 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13 POLK ST, FREEPORT, NY 11520-6223

Mortgage

Document Number	0023717749
Date	Mar 19, 2026
Instrument	23717/749

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	540 OAK ST, COPIAGUE, NY 11726-3206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0229320247
Date	Jun 6, 2018
Book Page	22932/247
Instrument	18-0103071

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jul 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	540 OAK ST, COPIAGUE, NY 11726-3206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0231930095
Date	Nov 9, 2020
Book Page	23193/95
Instrument	DL034338

Lender

Name	ISLAND FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$3,320 (-) Land $590 Building $2,730	$562,712 (+11,254.16%) Land $100,000 Building $462,712
2024	$9,621.00		$4,956 (-1.47%) Land $881 Building $4,075
2023		$3,320 Land $590 Building $2,730	$5,030 Land $894 Building $4,136

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2011 · Hurricane Irene

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	Not rated no burnable land within ember reach

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 659 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile USA.

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