7 Gray Ave, Middle Island, NY 11953 Property Records

Suffolk County and Brookhaven Town property record for 7 Gray Ave, Middle Island, NY 11953

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,721 sqft · built 2004
Lot Size	0.97 acres (42,253 sqft)
Owner	2 Individual Names on File
Tax Bill	$12,012 (2024)
Deeds & Mortgages	May 2022 Mortgage May 2022 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0200-453.00-03.00-041.001`

Property Details

APN / Parcel Number

Primary APN	`0200-453.00-03.00-041.001`
Alternative APNs	`472289 453.00-03-041.001` `00002220211` `0002220211` `2220211`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,721 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	42,253 sqft (0.97 acres)
View / Lot	Waterfront

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	2220211
Street Address	7 GRAY AVE
City	MIDDLE ISLAND
State	NY
Zip	11953-1834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GORDON HTS 1450 SEC 9 LOT 44
Legal Subdivision	GORDON HEIGHTS
Legal Block	3000
Legal Lot Number	300
Jurisdiction	SUFFOLK NY
Township / Civil Division	BROOKHAVEN
Census Block Group	2
Census Block	2000
Census Tract	158705

Owner

7 Gray Ave is owned and occupied by two individuals who acquired it in May 2022.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	7 GRAY AVE, MIDDLE ISLAND, NY 11953-1834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
May 13, 2022	Quit Claim Deed, Transfer Quitclaim
Feb 6, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED MORTGAGE CORP
Sep 12, 2019	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
May 14, 2020	Loan Modification, Consolidation and Extension, Mortgage · FHA Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2022
Deed Sale	May 13, 2022
Deed Book / Page	13156 / 66
Prior Transfer Date	Dec 11, 2021
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	7 GRAY AVE, MIDDLE ISLAND, NY 11953-1834
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234160852
Date	May 13, 2022
Book Page	23416/852

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jun 1, 2051

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUFFOLK NY
Recording Date	May 13, 2022
Property Address	7 GRAY AVE, MIDDLE ISLAND, NY 11953-1834
Document Number	0131560066
Book / Page	13156 / 66
Instrument Date	Dec 11, 2021
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	7 GRAY AVE, MIDDLE ISLAND, NY 11953-1834
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230020224
Date	Feb 6, 2019
Book Page	23002/224

Lender

Name	UNITED MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Mar 1, 2048

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	7 GRAY AVE, MIDDLE ISLAND, NY 11953-1834
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230600690
Date	Sep 12, 2019
Book Page	23060/690
Instrument	DK020375

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Oct 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	7 GRAY AVE, MIDDLE ISLAND, NY 11953-1834
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0231690319
Date	Aug 31, 2020
Book Page	23169/319
Instrument	DL023440

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

May 2020: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	7 GRAY AVE, MIDDLE ISLAND, NY 11953-1834
Document Number	0231690320
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 GRAY AVE MIDDLE ISLAND NY 119531834, MIDDLE ISLAND, NY 11953-1834

Mortgage

Document Number	0231690320
Date	Aug 31, 2020
Book Page	023169/000320

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

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	Longwood Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$2,700 Land $300 Building $2,400	$562,500 Land $56,604 Building $452,830
2024	$12,012.00
2023		$2,700 Land $300 Building $2,400	$5,000 Land $556 Building $4,444

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7 Gray Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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	2 in force
Nearby Flood Claims	2 (1982–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2018 · 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.

Wildfire

Wildfire risk around 7 Gray Ave is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: Verizon.

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