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825 Bray Ave, Laurel, NY 11948 Property Records

Suffolk County and Southold Town property record for 825 Bray Ave, Laurel, NY 11948 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Lot Size0.35 acres (15,246 sqft)
Owner2 Individual Names on File
Last Sale$113,500 (Jan 1996)
Tax Bill$6,329 (2024)
Deeds & MortgagesFeb 2020 Mortgage
Dec 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN473889 126.-2-7

Property Details

APN / Parcel Number

Primary APN473889 126.-2-7
Alternative APNs
  • 1000-126.00-02.00-007.000
  • 388912600000020070000000
  • 47380016614
  • 14

Exterior

Lot Area15,246 sqft (0.35 acres)

Location & Zoning

Account Number14
Street Address825 BRAY AVE
CityLAUREL
StateNY
Zip11948
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBOOK 11757 PAGE 595 BILL 016098
Legal Block2
Legal Lot Number7
JurisdictionSUFFOLK NY
Township / Civil DivisionSOUTHOLD
Census Block Group2
Census Block2014
Census Tract170003

Owner

Source: Suffolk County and Southold Town records · APN 473889 126.-2-7

Assessment roll updated August 11, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address75 ALBO DR, LAUREL, NY 11948-1613
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 04, 2020Deed of Trust, Mortgage · FHA Mortgage
FAIRWAY INDEPENDENT MTG
Dec 29, 2017Deed of Trust, Mortgage · FHA Mortgage
NORTH AMERICAN SVGS BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 10, 1996 · Amount on Record
Deed SaleJan 10, 1996 · Amount on Record
Deed Book / Page11757 / 595
Record UpdatedSep 20, 2026

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUFFOLK NY
Property Address825 BRAY AVE, LAUREL, NY 11948
Document Number0231090699
Instrument DateFeb 04, 2020
Transaction TypeMortgage
Record UpdatedMay 12, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address75 ALBO DR LAUREL NY 119481613, LAUREL, NY 11948-1613

Mortgage

Document Number0231090699
DateFeb 26, 2020
Book Page023109/000699
Lender
NameFAIRWAY INDEPENDENT MTG
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 25, 2050

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUFFOLK NY
Property Address825 BRAY AVE, LAUREL, NY 11948
Document Number0228970076
Instrument DateDec 29, 2017
Transaction TypeMortgage
Record UpdatedApr 11, 2018
Title CompanySTAR TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address75 ALBO DR LAUREL NY 119481613, LAUREL, NY 11948-1613

Mortgage

Document Number0228970076
DateJan 31, 2018
Book Page022897/000076
Lender
NameNORTH AMERICAN SVGS BK
TypeFederal Savings Bank
AddressGRANDVIEW, MO 64030
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term180 Months
DueJan 30, 2033

Tax Assessment & Valuation

Source: Suffolk County and Southold Town records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateNew York
CountySuffolk County
County SubdivisionSouthold Town
Unified School DistrictMattituck-Cutchogue Union Free School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,300 (-) Land $400 Building $3,900$781,818 (+10,263.44%) Land $72,727 Building $709,091
2024$6,329.00
2023$4,300 Land $400 Building $3,900$7,544 Land $702 Building $6,842

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031700032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 48 individual NFIP policies nearby
Nearby Flood Policies48 in force
Nearby Flood Claims4 (2012–2022)
Claims Outside the SFHA4 of 4
Most Recent ClaimSep 2022, rainfall accumulation
Claims By Storm
  • Hurricane Sandy, Oct 2012 · 3 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 34 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Optimum CommunicationsFiber8,000 / 8,000
Optimum CommunicationsCable940 / 35
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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