10 Ray Ln, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 10 Ray Ln, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Company Names on Record
Last Sale	$550,000 (Jun 2005)
Tax Bill	$14,303 (2024)
Deeds & Mortgages	Dec 2020 Refinance Aug 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473489 131.-3-56`

Property Details

APN / Parcel Number

Primary APN	`473489 131.-3-56`
Alternative APNs	`0800-131.00-03.00-056.000` `348913100000030560000000` `47340030733`

Exterior

Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	10 RAY LN
City	SMITHTOWN
State	NY
Zip	11787-4720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22-884751 TC-70 *4329 LOT 5 WOOD PARK
Legal Block	3
Legal Lot Number	56
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2002
Census Tract	135303

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	10 RAY LN, SMITHTOWN, NY 11787-4720
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Aug 6, 2020	Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage WELLS FARGO BK
Aug 31, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2005 · Amount on Record
Deed Sale	Jun 30, 2005 · Amount on Record
Deed Book / Page	12395 / 532
Last Transfer Date	Apr 14, 2025
Transfer Doc	0132910982
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	10 RAY LN, SMITHTOWN, NY 11787-4720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0232050245
Date	Dec 9, 2020
Book Page	23205/245
Instrument	40339

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2050

August 2020: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	10 RAY LN, SMITHTOWN, NY 11787-4720
Document Number	0232050246
Instrument Date	Aug 6, 2020
Transaction Type	Mortgage
Record Updated	May 31, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 RAY LN SMITHTOWN NY 117874720, SMITHTOWN, NY 11787-4720

Mortgage

Document Number	0232050246
Date	Dec 9, 2020
Book Page	023205/000246

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	10 RAY LN, SMITHTOWN, NY 11787-4720
Document Number	0228590206
Instrument Date	Aug 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 RAY LN SMITHTOWN NY 117874720, SMITHTOWN, NY 11787-4720

Mortgage

Document Number	0228590206
Date	Sep 26, 2017
Book Page	022859/000206

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2047

Interest

Rate Type	Adjustable Rate

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
Unified School District	Smithtown Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$5,515 (-) Land $350 Building $5,165	$689,375 (+10,775.14%) Land $43,750 Building $645,625
2024	$14,303.00
2023		$5,515 Land $350 Building $5,165	$6,339 Land $402 Building $5,937

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	45 (1979–2016)
Claims Outside the SFHA	39 of 45
Most Recent Claim	Aug 2016 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 366 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

Cell Coverage

5G (outdoors only) and 4G LTE

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