Suffolk County and Smithtown Town property record for 10 Lower Rd, Smithtown, NY 11787 · Last verified August 2026
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2.5 ba · 1,259 sqft · built 1963 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,097 (2024) |
| Deeds & Mortgages | Feb 2022 Refinance Jul 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 50.-3-36 |
| Primary APN | 473489 50.-3-36 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,259 sqft Living Area |
| Gross Area | 1,773 sqft |
| 1st Floor Area | 1,259 sqft |
| Basement Area | 1,000 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 23,087 sqft (0.53 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 250 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Porch |
|---|---|
| Porch Area | 264 sqft |
| Shed | 1 Shed |
| Shed Area | 105 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | S80167 |
|---|---|
| Street Address | 10 LOWER RD |
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-1524 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 15-612676 TC-66 *2976 LOT 167 RIVIERA RIDGE SEC 3 |
| Legal Block | 3 |
| Legal Lot Number | 36 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 134902 |
Source: Suffolk County and Smithtown Town records · APN 473489 50.-3-36
Assessment roll updated August 11, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | PO BOX 333, KINGS PARK, NY 11754-0333 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Feb 01, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance EVOLVE BANK & TRUST |
| Jul 29, 2021 | Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | May 03, 2021 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 10 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0233750880 |
|---|---|
| Date | Feb 01, 2022 |
| Book Page | 23375/880 |
| Instrument | DM062750 |
| Name | EVOLVE BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jul 29, 2021 |
| Property Address | 10 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Document Number | 0131140004 |
| Book / Page | 13114 / 4 |
| Instrument Date | May 03, 2021 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Smithtown Town |
| Unified School District | Smithtown Central School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,980 (+1.53%) Land $425 Building $4,555 | $622,500 (+10,941.15%) Land $53,125 Building $569,375 | |
| 2024 | $5,097.00 | ||
| 2023 | $4,905 Land $425 Building $4,480 | $5,638 Land $489 Building $5,149 |
Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031349023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 4 individual NFIP policies nearby |
| Nearby Flood Policies | 4 in force 3 of 4 on primary residences |
| Nearby Flood Claims | 1 (1991) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 1991, tidal / storm surge, Hurricane Bob |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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