Suffolk County and Smithtown Town property record for 16 Clover Dr, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $754,000 (Jan 2025) |
| Tax Bill | $10,246 (2024) |
| Deeds & Mortgages | Apr 2023 Reverse Mortgage Apr 2023 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 151.-3-10 |
| Primary APN | 473489 151.-3-10 |
|---|---|
| Alternative APNs |
|
| Lot Area | 23,522 sqft (0.54 acres) |
|---|
| Street Address | 16 CLOVER DR |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-4211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18-738626 TC-84 *1407 LOTS 348 & 349 SMITHTOWN PINES UNIT 2 |
| Legal Block | 3 |
| Legal Lot Number | 10 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 135500 |
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 219 FOREST ST, OCEANSIDE, NY 11572-4208 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 13, 2023 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Apr 13, 2023 | Deed of Trust, Mortgage · Reverse Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2025 · Amount on Record |
| Deed Sale | Jan 14, 2025 · Amount on Record |
| Deed Book / Page | 13279 / 862 |
| Prior Transfer Date | Feb 24, 2023 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 16 CLOVER DR, SMITHTOWN, NY 11787-4211 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Title Company | TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTEE CO |
| Name | Verified Name |
|---|
| Document Number | 0234990182 |
|---|---|
| Date | Apr 13, 2023 |
| Book Page | 23499/182 |
| Name | AMERICAN ADVISORS GROUP |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 709 Months |
| Due | May 1, 2082 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 16 CLOVER DR, SMITHTOWN, NY 11787-4211 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Title Company | TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTEE CO |
| Name | Verified Name |
|---|
| Document Number | 0234990183 |
|---|---|
| Date | Apr 13, 2023 |
| Book Page | 23499/183 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 709 Months |
| Due | May 1, 2082 |
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 | $5,860 (-) Land $220 Building $5,640 | $732,500 (+10,774.41%) Land $27,500 Building $705,000 | |
| 2024 | $10,246.00 | ||
| 2023 | $5,860 Land $220 Building $5,640 | $6,736 Land $253 Building $6,483 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 93% 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 244 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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