104 Harbor Rd, Saint James, NY 11780 Property Records

Suffolk County and Smithtown Town property record for 104 Harbor Rd, Saint James, NY 11780

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,850 sqft · built 1984
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,070,000 (Dec 2021)
Tax Bill	$25,922 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`473401 2.-2-5`

Property Details

APN / Parcel Number

Primary APN	`473401 2.-2-5`
Alternative APNs	`0801-002.00-02.00-005.000` `340100200000020050000000` `473400118`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,850 sqft Living Area
Gross Area	3,388 sqft
1st Floor Area	2,850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	87,120 sqft
View / Lot	Suburban
Garage Type	Attached
Garage Area	538 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	104 HARBOR RD
City	SAINT JAMES
State	NY
Zip	11780-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-43415 TC-73 STONY BROOK RD EMMET SCULLY SCULLY
Legal Block	2
Legal Lot Number	5
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2017
Census Tract	135004

Owner

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 Record
Mailing Address	104 HARBOR RD, SAINT JAMES, NY 11780-1007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Sep 29, 2017	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2021 · Amount on Record
Deed Sale	Dec 20, 2021 · Amount on Record
Prior Sale	Sep 29, 2017 · Amount on Record
Deed Book / Page	13134 / 949
Record Updated	Sep 20, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Dec 20, 2021
Property Address	104 HARBOR RD, SAINT JAMES, NY 11780-1007
Document Number	0131340949
Book / Page	13134 / 949
Instrument Date	Aug 5, 2021
Transaction Type	Transfer
Record Updated	Jun 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 PICCADILLY DWNS, LYNBROOK, NY 11563-3116

Mortgage

Document Number	00DM053764
Date	Dec 20, 2021
Instrument	DM053764

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2051

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Sep 29, 2017
Property Address	104 HARBOR RD, SAINT JAMES, NY 11780-1007
Document Number	0129310698
Book / Page	012931 / 000698
Instrument Date	Sep 5, 2017
Transaction Type	Transfer
Record Updated	Nov 9, 2017
Title Company	UNITED LAND ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,900.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	432 N PROSPECT AVE PARK RIDGE IL 600683463, PARK RIDGE, IL 60068-3463

Mortgage

Document Number	228600565
Date	Sep 29, 2017
Book Page	022860/000565

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 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	Head Of The Harbor Village
Unified School District	Smithtown Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$10,625 (-) Land $1,160 Building $9,465	$1,328,125 (+10,775.57%) Land $145,000 Building $1,183,125
2024	$25,922.00
2023		$10,625 Land $1,160 Building $9,465	$12,212 Land $1,333 Building $10,879

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	7 in force
Nearby Flood Claims	3 (2012–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Aug 2024 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Aug 2024 · 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	0.02% 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 58 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

4G LTE only, no 5G reported

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