Suffolk County and Smithtown Town property record for 14 Lower Rd, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $550,000 (Dec 2020) |
| Tax Bill | $14,435 (2024) |
| Deeds & Mortgages | Jun 2026 Line of Credit Dec 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 74.-1-6 |
| Primary APN | 473489 74.-1-6 |
|---|---|
| Alternative APNs |
|
| Lot Area | 23,522 sqft (0.54 acres) |
|---|
| Account Number | S80151 |
|---|---|
| Street Address | 14 LOWER RD |
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-1524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 15-612726 TC-66 *2976 LOT 169 RIVIERA RIDGE SEC 3 |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| 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 | 14 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 2, 2026 | Deed of Trust, Mortgage · Line of Credit |
| Dec 9, 2020 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2020 · Amount on Record |
| Deed Sale | Dec 9, 2020 · Amount on Record |
| Deed Book / Page | 13081 / 636 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jun 2, 2026 |
| Property Address | 14 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Document Number | 2373000379 |
| Book / Page | 23730 / 379 |
| Instrument Date | Mar 16, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 14 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Document Number | 2373000379, |
|---|---|
| Date | Jun 2, 2026 |
| Book Page | 23730/379 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.09% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Dec 9, 2020 |
| Property Address | 14 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Document Number | 0130810636 |
| Book / Page | 13081 / 636 |
| Instrument Date | Oct 23, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 504 TROLLEY LINE RD, BABYLON, NY 11702-2539 |
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 | $5,568 (-) Land $420 Building $5,148 | $696,000 (+10,775%) Land $52,500 Building $643,500 | |
| 2024 | $14,435.00 | ||
| 2023 | $5,568 Land $420 Building $5,148 | $6,400 Land $483 Building $5,917 |
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 |
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