Suffolk County and Brookhaven Town property record for 81 Locust Dr, Rocky Point, NY 11778
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 875 sqft · built 1965 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Jun 2017) |
| Tax Bill | $8,206 (2024) |
| Deeds & Mortgages | May 2019 Mortgage Apr 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0200-054.00-04.00-015.000 |
| Primary APN | 0200-054.00-04.00-015.000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 875 sqft Living Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 6,098 sqft (0.14 acres) |
| View / Lot | Waterfront |
| Heating System | Radiant |
|---|
| Account Number | 1520720 |
|---|---|
| Street Address | 81 LOCUST DR |
| City | ROCKY POINT |
| State | NY |
| Zip | 11778-8828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH SHORE BEACH 1015 2 SEC B 4684 |
| Legal Subdivision | NORTH SHORE BEACH |
| Legal Block | 4000 |
| Legal Lot Number | 400 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | BROOKHAVEN |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 158407 |
Source: Suffolk County and Brookhaven 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 81 LOCUST DR, ROCKY POINT, NY 11778-8828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 18, 2019 | Loan Modification, Consolidation and Extension, Mortgage · FHA Mortgage FREEDOM MTG |
| Jun 19, 2017 | Grant Deed, Transfer · FHA Mortgage HARTFORD FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2017 · Amount on Record |
| Deed Sale | Jun 19, 2017 · Amount on Record |
| Prior Sale | Aug 21, 2013 · Amount on Record |
| Deed Book / Page | 12917 / 308 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 81 LOCUST DR, ROCKY POINT, NY 11778-8828 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0230250454 |
|---|---|
| Date | May 6, 2019 |
| Book Page | 23025/454 |
| Instrument | DK004039 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Jun 1, 2046 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 81 LOCUST DR, ROCKY POINT, NY 11778-8828 |
| Document Number | 0230310129 |
| Instrument Date | Apr 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 81 LOCUST DR ROCKY POINT NY 117788828, ROCKY POINT, NY 11778-8828 |
| Document Number | 0230310129 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 023031/000129 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | 907 PLEASANT VALLEY AVE # 3, MOUNT LAUREL, NJ 08054-1210 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | May 29, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jun 19, 2017 |
| Property Address | 81 LOCUST DR, ROCKY POINT, NY 11778-8828 |
| Document Number | 0129170308 |
| Book / Page | 012917 / 000308 |
| Instrument Date | May 25, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | ABSTRACT RESOLUTIONS CORPORATION, ABSTRACT RESOLUTIONS CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,160.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 166 MAGNOLIA DR ROCKY POINT NY 117789179, ROCKY POINT, NY 11778-9179 |
| Document Number | 228270492 |
|---|---|
| Date | Jun 19, 2017 |
| Book Page | 022827/000492 |
| Name | HARTFORD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 18, 2047 |
Source: Suffolk County and Brookhaven Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Brookhaven Town |
| Unified School District | Rocky Point Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,760 (-) Land $120 Building $1,640 | $366,667 (+11,150.91%) Land $22,642 Building $309,434 | |
| 2024 | $8,206.00 | ||
| 2023 | $1,760 Land $120 Building $1,640 | $3,259 Land $222 Building $3,037 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 | 2 in force |
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 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.
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 655 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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