15 Prospect St, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 15 Prospect St, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,682 sqft · built 1887
Lot Size	1 acre (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$451,000 (Mar 2017)
Tax Bill	$11,471 (2024)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`473489 76.-3-5`

Property Details

APN / Parcel Number

Primary APN	`473489 76.-3-5`
Alternative APNs	`0800-076.00-03.00-005.000` `348907600000030050000000` `47340018670`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,682 sqft Living Area
Gross Area	2,850 sqft
1st Floor Area	1,398 sqft
2nd Floor Area	1,284 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1887
Effective Year Built	Effective 1887
Architectural Style	Colonial
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	43,560 sqft
View / Lot	Suburban
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Enclosed Porch
Porch Area	168 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	15 PROSPECT ST
City	SMITHTOWN
State	NY
Zip	11787-2716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-24201 TC-70 MP CARRIE COURTKETCAHM&NEPROSPECT ST EGERT
Legal Block	3
Legal Lot Number	5
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2008
Census Tract	134908

Owner

15 Prospect St is owned and occupied by two individuals who bought it in March 2017.

Source: Suffolk County and Smithtown Town records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15 PROSPECT ST, SMITHTOWN, NY 11787-2716
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2017 · Amount on File
Deed Sale	Mar 17, 2017 · Amount on File
Deed Book / Page	D00012904 / 932
Record Updated	Sep 20, 2026

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Mar 17, 2017
Property Address	15 PROSPECT ST, SMITHTOWN, NY 11787-2716
Document Number	0129040932
Book / Page	012904 / 000932
Instrument Date	Jun 17, 2016
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	RAM ABSTRACT LIMITED, RAM ABSTRACT LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,804.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25 CLIFF RD WADING RIVER NY 11792, WADING RIVER, NY 11792

Mortgage

Document Number	227990235
Date	Mar 17, 2017
Book Page	022799/000235

Lender

Name	CITIBANK
Type	Federal Savings Bank
Address	O FALLON, MO 63368-2240

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2047

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Smithtown Town
Unified School District	Smithtown Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$4,380 Land $550 Building $3,830	$547,500 Land $68,750 Building $478,750
2024	$11,471.00
2023		$4,380 Land $550 Building $3,830	$5,034 Land $632 Building $4,402

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 15 Prospect St 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	4 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

Wildfire risk around 15 Prospect St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 181 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