11 Gate Rd, Saint James, NY 11780 Property Records

Suffolk County and Smithtown Town property record for 11 Gate Rd, Saint James, NY 11780

Property Summary

Property Type	Single Family Home
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Aug 2025)
Tax Bill	$19,912 (2024)
Deeds & Mortgages	Jun 2025 Refinance Aug 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473401 5.-2-3`

Property Details

APN / Parcel Number

Primary APN	`473401 5.-2-3`
Alternative APNs	`0801-005.00-02.00-003.000` `340100500000020030000000` `473400293`

Exterior

Lot Area	87,120 sqft

Location & Zoning

Street Address	11 GATE RD
City	SAINT JAMES
State	NY
Zip	11780-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9-358951 TC-73 *2685 LOT 26 HARBOUR CLOSE SEC 1
Legal Block	2
Legal Lot Number	3
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2024
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 Individual Names on Record
Mailing Address	19 NIGHT HERON DR, STONY BROOK, NY 11790-1107
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance FOURLEAF FCU
Aug 18, 2025	Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE LLC
Oct 30, 2020	Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2025 · Amount on Record
Deed Sale	Aug 18, 2025 · Amount on Record
Prior Sale	Oct 30, 2020 · Amount on Record
Deed Book / Page	13305 / 566
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	11 GATE RD, SAINT JAMES, NY 11780-1213
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0236650841
Date	Jun 24, 2025
Book Page	23665/841

Lender

Name	FOURLEAF FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Aug 18, 2025
Property Address	11 GATE RD, SAINT JAMES, NY 11780-1213
Document Number	0133050566
Book / Page	13305 / 566
Instrument Date	Jul 3, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN 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	Joint Tenants with Right of Survivorship
Address	19 NIGHT HERON DR, STONY BROOK, NY 11790-1107

Mortgage

Document Number	0023676910
Date	Aug 18, 2025
Instrument	23676/910

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2040

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Oct 30, 2020
Property Address	11 GATE RD, SAINT JAMES, NY 11780-1213
Document Number	0130760452
Book / Page	13076 / 452
Instrument Date	Sep 17, 2020
Transaction Type	Transfer
Record Updated	Aug 20, 2021

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	GREENWOD LN, ST JAMES, NY 11780

Mortgage

Document Number	DL033033
Date	Oct 30, 2020
Instrument	DL033033

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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		$8,100 (-) Land $1,000 Building $7,100	$1,012,500 (+7.5%) Land $125,000 Building $887,500
2024	$19,912.00	$8,100 (-) Land $1,000 Building $7,100	$941,860 (+10,016.65%) Land $116,279 Building $825,581
2023		$8,100 Land $1,000 Building $7,100	$9,310 Land $1,149 Building $8,161

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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300

May also be available: T-Mobile.

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