Suffolk County and Smithtown Town property record for 12 Format Ln, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,193 sqft · built 1969 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $505,000 (Jul 2014) |
| Tax Bill | $14,334 (2024) |
| Deeds & Mortgages | Aug 2022 Refinance Oct 2019 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 162.-4-8 |
| Primary APN | 473489 162.-4-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,193 sqft Living Area |
| Gross Area | 2,863 sqft |
| 1st Floor Area | 1,031 sqft |
| 2nd Floor Area | 1,162 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Colonial |
| Exterior Material | Composition/Composite |
| Lot Area | 10,019 sqft (0.23 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 670 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 512 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 12 FORMAT LN |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-5539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 8-325051 TC-53 *4924 LOT 12 FORMAT ESTATES |
| Legal Subdivision | MAP FORMAT ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 8 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 135401 |
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 | 12 FORMAT LN, SMITHTOWN, NY 11787-5539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB |
| Oct 31, 2019 | Deed of Trust, Mortgage · Construction Mortgage FLAGSTAR BANK FSB |
| Aug 13, 2019 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage FLAGSTAR BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2014 · Amount on Record |
| Deed Sale | Jul 22, 2014 · Amount on Record |
| Prior Sale | Sep 14, 1995 · Amount on Record |
| Deed Book / Page | 12781 / 672 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 12 FORMAT LN, SMITHTOWN, NY 11787-5539 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2023 |
| Title Company | QUICKSILVA TITLE LLC, QUICKSILVA TITLE, LLC |
| Name | Verified Name |
|---|
| Document Number | 0234470965 |
|---|---|
| Date | Aug 16, 2022 |
| Book Page | 23447/965 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 12 FORMAT LN, SMITHTOWN, NY 11787-5539 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0230750493 |
|---|---|
| Date | Oct 31, 2019 |
| Book Page | 23075/493 |
| Instrument | DK026784 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Nov 1, 2033 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 12 FORMAT LN, SMITHTOWN, NY 11787-5539 |
| Document Number | 0230750494 |
| Instrument Date | Aug 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12 FORMAT LN SMITHTOWN NY 117875539, SMITHTOWN, NY 11787-5539 |
| Document Number | 0230750494 |
|---|---|
| Date | Oct 31, 2019 |
| Book Page | 023075/000494 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 30, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
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 | $5,504 (-) Land $300 Building $5,204 | $688,000 (+10,774.03%) Land $37,500 Building $650,500 | |
| 2024 | $14,334.00 | ||
| 2023 | $5,504 Land $300 Building $5,204 | $6,327 Land $345 Building $5,982 |
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 | 5 in force |
| Nearby Flood Claims | 6 (1979–2012) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 304 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 |
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