78 Spruce St, Islip, NY 11751 Property Records

Suffolk County and Islip Town property record for 78 Spruce St, Islip, NY 11751

Property Summary

Property Type	Single Family Home
Details	980 sqft · built 1907
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual on Record
Last Sale	$550,000 (Feb 2026)
Tax Bill	$10,260 (2024)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jan 2022 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`472889 320.-3-22`

Property Details

APN / Parcel Number

Primary APN	`472889 320.-3-22`
Alternative APNs	`0500-320.00-03.00-022.000` `288932000000030220000000` `472800656750` `590630`

Interior

Building Area	980 sqft Living Area
1st Floor Area	700 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Location & Zoning

Account Number	590630
Street Address	78 SPRUCE ST
City	ISLIP
State	NY
Zip	11751-3022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Description	X2220769Y188051 T044H00000000
Legal Block	0003
Legal Lot Number	300
Jurisdiction	SUFFOLK NY
Township / Civil Division	ISLIP
Census Block Group	1
Census Block	1023
Census Tract	147401

Owner

Source: Suffolk County and Islip 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	Individual on Record
Mailing Address	267 N PINE ST, MASSAPEQUA, NY 11758-2816
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Deed, Transfer INTERSTATE HOME LOAN CENTER INC
Jan 13, 2022	Sheriff's Deed, Foreclosure · Stand-Alone First Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Prior Sale	Jan 13, 2022 · Amount on Record
Deed Book / Page	13327 / 210
Record Updated	Sep 20, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Feb 27, 2026
Property Address	78 SPRUCE ST, ISLIP, NY 11751-3022
Document Number	0133270210
Book / Page	13327 / 210
Instrument Date	Jan 27, 2026
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	267 N PINE ST, MASSAPEQUA, NY 11758-2816

Mortgage

Document Number	0023713693
Date	Feb 27, 2026
Instrument	23713/693

Lender

Name	INTERSTATE HOME LOAN CENTER INC
Type	Lending Institution

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

January 2022: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jan 13, 2022
Property Address	78 SPRUCE ST, ISLIP, NY 11751-3022
Document Number	0131380687
Book / Page	13138 / 687
Instrument Date	Dec 10, 2021
Transaction Type	Foreclosure
Record Updated	Aug 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	213 ROOSEVELT AVE, MASSAPEQUA PARK, NY 11762-2033

Mortgage

Document Number	00DM058432
Date	Jan 13, 2022
Instrument	DM058432

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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	Islip Union Free School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$30,100 (-) Land $5,500 Building $24,600	$423,944 (-) Land $77,465 Building $346,479
2024	$10,260.00		$423,944 (+2.54%) Land $77,465 Building $346,479
2023		$30,100 (-) Land $5,500 Building $24,600	$413,461 (+13.74%) Land $75,549 Building $337,912
2022		$30,100 Land $5,500 Building $24,600	$363,526 Land $66,425 Building $297,101

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

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	4 in force
Nearby Flood Claims	25 (1979–2023)
Claims Outside the SFHA	18 of 25
Most Recent Claim	Jul 2023 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

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

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 371 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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