Suffolk County and Islip Town property record for 98 S Bay Ave, Brightwaters, NY 11718
| Property Type | Single Family Home |
|---|---|
| Details | 2,739 sqft · built 1905 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (May 2019) |
| Tax Bill | $4,622 (2024) |
| Deeds & Mortgages | Mar 2022 Refinance Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 472801 11.-1-42.3 |
| Primary APN | 472801 11.-1-42.3 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,739 sqft Living Area |
|---|---|
| 1st Floor Area | 1,203 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Width | 110 ft Width |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Account Number | 404621 |
|---|---|
| Street Address | 98 S BAY AVE |
| City | BRIGHTWATERS |
| State | NY |
| Zip | 11718-2020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NULL |
| Legal Description | X2206142Y176475 H00000000 |
| Legal Block | 1000 |
| Legal Lot Number | 100 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | ISLIP |
| Census Block Group | 3 |
| Census Block | 3045 |
| Census Tract | 147100 |
98 S Bay Ave is owned and occupied by two individuals who bought it in May 2019.
Source: Suffolk County and Islip Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 98 S BAY AVE, BRIGHTWATERS, NY 11718-2020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 24, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA |
| Mar 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 6, 2019 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2019 · Amount on File |
| Deed Sale | May 28, 2019 · Amount on File |
| Deed Book / Page | 13013 / 511 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 98 S BAY AVE, BRIGHTWATERS, NY 11718-2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0233960437 |
|---|---|
| Date | Mar 24, 2022 |
| Book Page | 23396/437 |
| Instrument | DM073088 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 98 S BAY AVE, BRIGHTWATERS, NY 11718-2020 |
| Document Number | 0231290548 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 98 S BAY AVE BRIGHTWATERS NY 117182020, BRIGHTWATERS, NY 11718-2020 |
| Document Number | 0231290548 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 023129/000548 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 23, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jun 6, 2019 |
| Property Address | 98 S BAY AVE, BRIGHTWATERS, NY 11718-2020 |
| Document Number | 0130140583 |
| Book / Page | 13014 / 583 |
| Instrument Date | May 1, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Suffolk County and Islip Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| Municipality | Brightwaters Village |
| County | Suffolk County |
| County Subdivision | Islip Town |
| Unified School District | Bay Shore Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $60,200 Land $13,200 Building $47,000 | $847,887 (+8.73%) Land $185,915 Building $661,972 | |
| 2024 | $4,622.00 | $779,792 (+12.44%) Land $170,984 Building $608,808 | |
| 2023 | $60,200 Land $13,200 Building $47,000 | $693,549 Land $152,074 Building $541,475 |
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.
FEMA maps place 98 S Bay Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 94 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 94 in force |
| Nearby Flood Claims | 124 (1979–2024) |
| Claims Outside the SFHA | 60 of 124 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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 risk around 98 S Bay Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.9% of New York |
|---|---|
| Wildfire Likelihood | Under 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 174 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 |
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