Suffolk County and Smithtown Town property record for 12 Lower Rd, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,519 sqft · built 1963 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $179,000 (Apr 1997) |
| Tax Bill | $13,460 (2024) |
| Deeds & Mortgages | Jul 2022 Line of Credit Nov 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 74.-1-7 |
| Primary APN | 473489 74.-1-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,519 sqft Living Area |
| Gross Area | 2,836 sqft |
| 1st Floor Area | 1,519 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 22,216 sqft (0.51 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Shed | 1 Shed |
| Shed Area | 175 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | S80168 |
|---|---|
| Street Address | 12 LOWER RD |
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-1524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 15-612701 TC-66 *2976 LOT 168 RIVIERA RIDGE SEC 3 |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 134902 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 12 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2022 | Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU |
| Nov 6, 2017 | Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU |
| Aug 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 22, 1997 · Amount on Record |
| Deed Sale | Apr 22, 1997 · Amount on Record |
| Deed Book / Page | 11826 / 770 |
| Last Transfer Date | Jul 17, 2009 |
| Transfer Doc | 0126180994 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 12 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0234390849 |
|---|---|
| Date | Jul 20, 2022 |
| Book Page | 23439/849 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 12 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Document Number | 0228840425 |
| Book / Page | 022884 / 000425 |
| Instrument Date | Nov 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2018 |
| Title Company | SERVICELINK EAST |
| Name | Verified Name |
|---|---|
| Address | 12 LOWER RD SMITHTOWN NY 117871524, SMITHTOWN, NY 11787-1524 |
| Document Number | 0228840425 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 022884/000425 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Address | BETHPAGE, NY 11714 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 14, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 12 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Document Number | 0228530314 |
| Instrument Date | Aug 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Title Company | TITLE SOURCES INC |
| Name | Verified Name |
|---|---|
| Address | 12 LOWER RD SMITHTOWN NY 117871524, SMITHTOWN, NY 11787-1524 |
| Document Number | 0228530314 |
|---|---|
| Date | Sep 8, 2017 |
| Book Page | 022853/000314 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 7, 2047 |
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 | $6,235 (+12.24%) Land $425 Building $5,810 | $779,375 (+12,104.43%) Land $53,125 Building $726,250 | |
| 2024 | $13,460.00 | ||
| 2023 | $5,555 Land $425 Building $5,130 | $6,386 Land $489 Building $5,897 |
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 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures