1 Summit Trl, Saint James, NY 11780 Property Records

Suffolk County and Smithtown Town property record for 1 Summit Trl, Saint James, NY 11780

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,960 sqft · built 1988
Lot Size	2.16 acres (94,090 sqft)
Owner	2 Company Names on Record
Last Sale	$1,350,000 (Apr 2026)
Tax Bill	$26,737 (2024)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Aug 2023 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`473403 9.-3-22.1`

Property Details

APN / Parcel Number

Primary APN	`473403 9.-3-22.1`
Alternative APNs	`0802-009.00-03.00-022.001` `340300900000030220010000` `4734001060`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,960 sqft Living Area
1st Floor Area	1,920 sqft
2nd Floor Area	1,240 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	94,090 sqft
View / Lot	Suburban
Garage Type	Basement
Porch	Open Porch
Porch Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1 SUMMIT TRL
City	SAINT JAMES
State	NY
Zip	11780-4204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-34426.1 TC-75 MAP OF KRANICH LOT 1 *7749
Legal Subdivision	KRANICH
Legal Block	3
Legal Lot Number	22
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1008
Census Tract	135004

Owner

Source: Suffolk County and Smithtown 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 Company Names on Record
Mailing Address	240 E THIRTY NINETH ST # 40H, 40H, NEW YORK, NY 10016
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE LLC
Aug 16, 2023	Deed, Transfer OLD REPUBLIC TITLE
Aug 16, 2023	Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA
Nov 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MEADOWBROOK FINANCIAL MTG BANKERS CORP
May 11, 2020	Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage MEADOWBROOK FIN'L MTG BKERS
Jun 27, 2017	Grant Deed, Transfer · Conventional Mortgage MEADOWBROOK FIN'L MTG BKERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Prior Sale	Aug 16, 2023 · Amount on Record
Deed Book / Page	13332 / 359
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Apr 8, 2026
Property Address	1 SUMMIT TRL, SAINT JAMES, NY 11780-4204
Document Number	0133320359
Book / Page	13332 / 359
Instrument Date	Jan 14, 2026
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Living Trust

Mortgage

Date	Apr 8, 2026

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Initial Type	Adjustable Rate
Type Change Date	Jan 2, 2036
Index	Other
Margin	3
Max Rate	-1%

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Aug 16, 2023
Property Address	1 SUMMIT TRL, SAINT JAMES, NY 11780-4204
Document Number	0132140021
Book / Page	13214 / 21
Instrument Date	Jun 8, 2023
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	OLD REPUBLIC TITLE

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	7 SAGAMORE LN, BOXFORD, MA 01921-2631

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Aug 16, 2023
Property Address	1 SUMMIT TRL, SAINT JAMES, NY 11780-4204
Document Number	0132140024
Book / Page	13214 / 24
Instrument Date	Jun 8, 2023
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	7 SAGAMORE LN, BOXFORD, MA 01921-2631

Mortgage

Document Number	0023528751
Date	Aug 16, 2023
Instrument	23528/751

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	1 SUMMIT TRL, SAINT JAMES, NY 11780-4204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0231910319
Date	Nov 4, 2020
Book Page	23191/319
Instrument	DL033456

Lender

Name	MEADOWBROOK FINANCIAL MTG BANKERS CORP

Agreement

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

May 2020: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	1 SUMMIT TRL, SAINT JAMES, NY 11780-4204
Document Number	0231910320
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	May 4, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 SUMMIT TRL ST JAMES NY 117804204, ST JAMES, NY 11780-4204

Mortgage

Document Number	0231910320
Date	Nov 4, 2020
Book Page	023191/000320

Lender

Name	MEADOWBROOK FIN'L MTG BKERS
Type	Mortgage Company
Address	WESTBURY, NY 11590

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jun 27, 2017
Property Address	1 SUMMIT TRL, SAINT JAMES, NY 11780-4204
Document Number	0129180511
Book / Page	012918 / 000511
Instrument Date	May 18, 2017
Transaction Type	Transfer
Record Updated	Feb 8, 2018
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	72 KRISTIN LN HAUPPAUGE NY 117881235, HAUPPAUGE, NY 11788-1235

Mortgage

Document Number	228290925
Date	Jun 27, 2017
Book Page	022829/000925

Lender

Name	MEADOWBROOK FIN'L MTG BKERS
Type	Mortgage Company
Address	GARDEN CITY, NY 11530

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2047

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Smithtown Town
Municipality	Nissequogue Village
Unified School District	Smithtown Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$11,500 (-) Land $1,300 Building $10,200	$1,437,500 (+10,775.32%) Land $162,500 Building $1,275,000
2024	$26,737.00
2023		$11,500 Land $1,300 Building $10,200	$13,218 Land $1,494 Building $11,724

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	49 (1978–2024)
Claims Outside the SFHA	17 of 49
Most Recent Claim	Aug 2024 · Severe Storm And Flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 15 claims Hurricane Irene, Aug 2011 · 3 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 9 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

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	0.02% 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 33 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

May also be available: T-Mobile.

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