Suffolk County and Smithtown Town property record for 11 Lower Rd, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $821,000 (Aug 2026) |
| Tax Bill | $11,645 (2024) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jan 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 50.-3-37 |
| Primary APN | 473489 50.-3-37 |
|---|---|
| Alternative APNs |
|
| Lot Area | 27,443 sqft (0.63 acres) |
|---|
| Account Number | S80177 |
|---|---|
| Street Address | 11 LOWER RD |
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-1523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 15-612276 TC-66 *2976 LOT 151 RIVIERA RIDGE SEC 3 |
| Legal Block | 3 |
| Legal Lot Number | 37 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 134902 |
Source: Suffolk County and Smithtown Town records, as of September 14, 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 | 11 LOWER RD, SMITHTOWN, NY 11787-1523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Aug 4, 2026 | Deed, Transfer · Conventional Mortgage UNITED MORTGAGE CORPORATION |
| Jan 25, 2018 | Executor's Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2026 · Amount on Record |
| Deed Sale | Aug 4, 2026 · Amount on Record |
| Prior Sale | Jan 25, 2018 · Amount on Record |
| Deed Book / Page | 13345 / 672 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Aug 4, 2026 |
| Property Address | 11 LOWER RD, SMITHTOWN, NY 11787-1523 |
| Document Number | 1334000672 |
| Book / Page | 13345 / 672 |
| Instrument Date | May 12, 2026 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 11 LOWER RD, SMITHTOWN, NY 11787-1523 |
| Date | Aug 4, 2026 |
|---|
| Name | UNITED MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jan 25, 2018 |
| Property Address | 11 LOWER RD, SMITHTOWN, NY 11787-1523 |
| Document Number | 0129470642 |
| Book / Page | 12947 / 642 |
| Instrument Date | Nov 16, 2017 |
| Instrument | 0018-0015751 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 48 GREENHILLS RD, SOUTH HUNTINGTON, NY 11746-3906 |
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 | $4,450 (-) Land $450 Building $4,000 | $556,250 (+10,774.88%) Land $56,250 Building $500,000 | |
| 2024 | $11,645.00 | ||
| 2023 | $4,450 Land $450 Building $4,000 | $5,115 Land $517 Building $4,598 |
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 | 4 in force |
| Nearby Flood Claims | 1 (1991) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 1991 · Hurricane Bob |
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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SMITHTOWN WATER DISTRICT serves 19,635 people · EPA ID NY5105656 |
|---|---|
| Water Source | Purchased groundwater from SUFFOLK COUNTY WATER AUTHORITY |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 263 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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