92 Cotter St, West Islip, NY 11795 Property Records

Suffolk County and Islip Town property record for 92 Cotter St, West Islip, NY 11795

Property Summary

Property Type	Single Family Home
Details	1,848 sqft · built 1959
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (May 2018)
Deeds & Mortgages	Mar 2020 Refinance Feb 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`472889 286.-1-35`

Property Details

APN / Parcel Number

Primary APN	`472889 286.-1-35`
Alternative APNs	`0500-286.00-01.00-035.000` `288928600000010350000000` `472800574710` `655640`

Interior

Building Area	1,848 sqft Living Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	12,197 sqft (0.28 acres)
Lot Width	148 ft Width
Garage Type	Attached
Garage Area	440 sqft

Location & Zoning

Account Number	655640
Street Address	92 COTTER ST
City	WEST ISLIP
State	NY
Zip	11795-1047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	X2192663Y188289 T015H00000000
Legal Block	6000
Legal Lot Number	100
Jurisdiction	SUFFOLK NY
Township / Civil Division	ISLIP
Census Block Group	2
Census Block	2002
Census Tract	146704

Owner

Source: Suffolk County and Islip Town records, as of July 8, 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	92 COTTER ST, WEST ISLIP, NY 11795-1047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Feb 5, 2020	Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI WELLS FARGO BK
May 25, 2018	Deed, Transfer
Oct 30, 2017	Grant Deed, Transfer · Conventional with PMI SPEC FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2018 · Amount on Record
Deed Sale	May 25, 2018 · Amount on Record
Deed Book / Page	12963 / 127
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	92 COTTER ST, WEST ISLIP, NY 11795-1047
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0231190441
Date	Mar 27, 2020
Book Page	23119/441
Instrument	DK047486

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

February 2020: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	92 COTTER ST, WEST ISLIP, NY 11795-1047
Document Number	0231190442
Instrument Date	Feb 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	92 COTTER ST WEST ISLIP NY 117951047, WEST ISLIP, NY 11795-1047

Mortgage

Document Number	0231190442
Date	Mar 27, 2020
Book Page	023119/000442

Lender

Name	WELLS FARGO BK
Type	Bank
Address	MINNEAPOLIS, MN 55467-8000

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	May 25, 2018
Property Address	92 COTTER ST, WEST ISLIP, NY 11795-1047
Document Number	0129630127
Book / Page	12963 / 127
Instrument Date	May 4, 2018
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount Recorded
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	160 6TH AVE, BROOKLYN, NY 11217-3506

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Oct 30, 2017
Property Address	92 COTTER ST, WEST ISLIP, NY 11795-1047
Document Number	0129350777
Book / Page	012935 / 000777
Instrument Date	Oct 11, 2017
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	ABSTRACTS INC.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	463 MONTAUK HWY #25 WEST ISLIP NY 117954438, 25, WEST ISLIP, NY 11795-4438

Mortgage

Document Number	228680970
Date	Oct 30, 2017
Book Page	022868/000970

Lender

Name	SPEC FUNDING LLC
Address	8 HARBOUR POINT DR, NORTHPORT, NY 11768-1556

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Suffolk County and Islip Town assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Islip Town
Unified School District	West Islip Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$49,000 (-) Land $8,000 Building $41,000
2024		$690,141 (+2.54%) Land $112,676 Building $577,465
2023	$49,000 Land $8,000 Building $41,000	$673,077 Land $109,890 Building $563,187

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	5 in force
Nearby Flood Claims	3 (1998–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 486 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

May also be available: Frontier.

Nearby Properties on Cotter St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures