Suffolk County and Smithtown Town property record for 10 Harding St, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,183 sqft · built 1976 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Aug 2012) |
| Tax Bill | $15,028 (2024) |
| Deeds & Mortgages | Apr 2020 Loan Modification Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 163.-2-66 |
| Primary APN | 473489 163.-2-66 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,183 sqft Living Area |
| 1st Floor Area | 1,429 sqft |
| Basement Area | 754 sqft |
| Finished Basement | 754 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Raised Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 10,019 sqft (0.23 acres) |
| View / Lot | Suburban |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 10 HARDING ST |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-5523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 22-868376 TC-53 *5900 LOT 53 WHITE OAK AT SMITHTOWN |
| Legal Subdivision | MAP WHITE OAK AT SMITHTOWN |
| Legal Block | 2 |
| Legal Lot Number | 66 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 135401 |
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 HARDING ST, SMITHTOWN, NY 11787-5523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 1, 2020 | Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI CALIBER HM LOANS |
| Apr 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Aug 7, 2018 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2012 · Amount on File |
| Deed Sale | Aug 3, 2012 · Amount on File |
| Prior Sale | Feb 26, 1998 |
| Deed Book / Page | 12701 / 27 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 10 HARDING ST, SMITHTOWN, NY 11787-5523 |
| Document Number | 0231420383 |
| Instrument Date | Apr 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10 HARDING ST SMITHTOWN NY 117875523, SMITHTOWN, NY 11787-5523 |
| Document Number | 0231420383 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 023142/000383 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 10, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 10 HARDING ST, SMITHTOWN, NY 11787-5523 |
| Document Number | 0231420382 |
| Instrument Date | Apr 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10 HARDING ST SMITHTOWN NY 117875523, SMITHTOWN, NY 11787-5523 |
| Document Number | 0231420382 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 023142/000382 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 10, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Aug 7, 2018 |
| Property Address | 10 HARDING ST, SMITHTOWN, NY 11787-5523 |
| Document Number | 0129720776 |
| Book / Page | 12972 / 776 |
| Instrument Date | Jun 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1865 WISTERIA CIR, BELLPORT, NY 11713-3059 |
| Investor | Possibly a Property Investor |
Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Smithtown Town |
| Unified School District | Smithtown Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,781 (-) Land $300 Building $5,481 | $722,625 (+10,774.72%) Land $37,500 Building $685,125 | |
| 2024 | $15,028.00 | ||
| 2023 | $5,781 Land $300 Building $5,481 | $6,645 Land $345 Building $6,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 6 (1979–2012) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% 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 323 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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