Suffolk County and Smithtown Town property record for 15 Clover Dr, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,507 sqft · built 1959 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $675,000 (Jul 2017) |
| Tax Bill | $14,246 (2024) |
| Deeds & Mortgages | Jun 2021 Refinance Jul 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 151.-3-24 |
| Primary APN | 473489 151.-3-24 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,507 sqft Living Area |
| Gross Area | 3,007 sqft |
| 1st Floor Area | 1,197 sqft |
| 2nd Floor Area | 1,310 sqft |
| Basement Area | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Colonial |
| Exterior Material | Composition/Composite |
| Lot Area | 21,780 sqft (0.5 acres) |
| View / Lot | Suburban |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 15 CLOVER DR |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-4210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18-739051 TC-84 *1407 LOTS 379 TO 380 SMITHTOWN PINES UNIT 2 |
| Legal Block | 3 |
| Legal Lot Number | 24 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 135500 |
15 Clover Dr is owned and occupied by two individuals who bought it in July 2017.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 CLOVER DR, SMITHTOWN, NY 11787-4210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FINANCE AMERICA LLC |
| Jul 14, 2017 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG |
| Mar 23, 2017 | Deed of Trust, Mortgage · Line of Credit PEOPLE'S UNITED BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2017 · Amount on File |
| Deed Sale | Jul 14, 2017 · Amount on File |
| Prior Sale | Sep 4, 2012 · Amount on File |
| Deed Book / Page | 12920 / 424 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 15 CLOVER DR, SMITHTOWN, NY 11787-4210 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0232880757 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 23288/757 |
| Instrument | DM017733 |
| Name | FINANCE AMERICA LLC |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jul 14, 2017 |
| Property Address | 15 CLOVER DR, SMITHTOWN, NY 11787-4210 |
| Document Number | 0129200424 |
| Book / Page | 012920 / 000424 |
| Instrument Date | Jun 26, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2020 |
| Title Company | LANDSTAR TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,700.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 CLOVER DR SMITHTOWN NY 117874210, SMITHTOWN, NY 11787-4210 |
| Document Number | 228330902 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 022833/000902 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 13, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 15 CLOVER DR, SMITHTOWN, NY 11787-4210 |
| Document Number | 0228090573 |
| Book / Page | 022809 / 000573 |
| Instrument Date | Mar 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Name | Verified Name |
|---|---|
| Address | 15 CLOVER DR SMITHTOWN NY 117874210, SMITHTOWN, NY 11787-4210 |
| Document Number | 0228090573 |
|---|---|
| Date | Apr 19, 2017 |
| Book Page | 022809/000573 |
| Name | PEOPLE'S UNITED BK |
|---|---|
| Type | Bank |
| Address | BRIDGEPORT, CT 06604 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 18, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
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 | Hauppauge Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,166 Land $190 Building $6,976 | $895,750 Land $23,750 Building $872,000 | |
| 2024 | $14,246.00 | ||
| 2023 | $7,166 Land $190 Building $6,976 | $8,236 Land $218 Building $8,018 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 15 Clover Dr in Zone X, an area of minimal flood risk.
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 | 6 in force |
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 risk around 15 Clover Dr is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 268 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 | 980 / 880 |
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