84 Howard Ave, Freeport, NY 11520 Property Records

Nassau County and Hempstead Town property record for 84 Howard Ave, Freeport, NY 11520

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,457 sqft · built 1955
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Aug 2005)
Tax Bill	$7,059 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Aug 2025 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`62-106-00-0437`

Property Details

APN / Parcel Number

Primary APN	`62-106-00-0437`
Alternative APNs	`2009-62-106-00-0437-0` `62106000437000000000` `282009 62.-106-437` `62106 04370`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,457 sqft Living Area
1st Floor Area	936 sqft
Basement Area	468 sqft
Finished Basement	468 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Other
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	77 sqft
Patio Area	77 sqft
Balcony Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	62106 04370
Street Address	84 HOWARD AVE
City	FREEPORT
State	NY
Zip	11520-6250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN #1 SCH DIST 009
Legal Block	106
Legal Lot Number	437
Jurisdiction	NASSAU NY
Township / Civil Division	HEMPSTEAD
Census Block Group	2
Census Block	2004
Census Tract	414502

Owner

84 Howard Ave is owned and occupied by two individuals who acquired it in August 2025.

Source: Nassau County and Hempstead Town records, as of June 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	84 HOWARD AVE, FREEPORT, NY 11520-6250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Aug 20, 2025	Intrafamily Transfer, Transfer
Sep 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage POINT DIGITAL FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2005 · Amount on File
Deed Sale	Aug 22, 2005 · Amount on File
Deed Book / Page	11996 / 512
Last Transfer Date	Aug 13, 2025
Transfer Doc	D146570803
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU NY
Property Address	84 HOWARD AVE, FREEPORT, NY 11520-6250
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 HOWARD AVE, FREEPORT, NY 11520-6250

Mortgage

Document Number	M482150896
Date	Nov 17, 2025
Book Page	M48215/896
Instrument	2025-74182

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 4, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NASSAU NY
Recording Date	Aug 20, 2025
Property Address	84 HOWARD AVE, FREEPORT, NY 11520-6250
Document Number	D146570803
Book / Page	D14657 / 803
Map Reference	MAP 918 CASE 2630
Instrument Date	Aug 13, 2025
Instrument	2025-52506
Transaction Type	Transfer
Record Updated	Oct 1, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	84 HOWARD AVE, FREEPORT, NY 11520-6250

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 HOWARD AVE, FREEPORT, NY 11520-6250

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU NY
Property Address	84 HOWARD AVE, FREEPORT, NY 11520-6250
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 HOWARD AVE, FREEPORT, NY 11520-6250

Mortgage

Document Number	M472730308
Date	Sep 11, 2023
Book Page	M47273/308
Instrument	2023-53760

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 27, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 84 Howard Ave was $7,059.

Source: Nassau County and Hempstead Town assessment roll, as of June 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Nassau County
County Subdivision	Hempstead Town
Municipality	Freeport Village
Unified School District	Freeport Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$380 (+2.98%) Land $150 Building $230	$380,000 (+2.98%)
2025	$7,059.00 Senior Citizen's exemption	$369 Land $146 Building $223	$369,000
2023	$7,214.00 Homeowner's exemption	$380 Land $150 Building $230	$380,000

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

FEMA maps place 84 Howard Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 5, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 407 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	407 in force
Nearby Flood Claims	871 (1978–2024)
Claims Outside the SFHA	6 of 871
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Sandy, Nov 2012 · 464 claims Hurricane Irene, Sep 2011 · 145 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 72 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

The area around 84 Howard Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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	FREEPORT (V) serves 45,000 people · EPA ID NY2902823
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 564 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	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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