1769 Smith Rd, Peconic, NY 11958 Property Records

Suffolk County and Southold Town property record for 1769 Smith Rd, Peconic, NY 11958

Property Summary

Property Type	Single Family Home
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,775,000 (May 2017)
Tax Bill	$21,605 (2024)
Deeds & Mortgages	Mar 2022 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`473889 98.-4-20`

Property Details

APN / Parcel Number

Primary APN	`473889 98.-4-20`
Alternative APNs	`1000-098.00-04.00-020.000` `388909800000040200000000` `47380011904` `10`

Exterior

Lot Area	30,056 sqft (0.69 acres)
View / Lot	Waterfront

Location & Zoning

Account Number	10
Street Address	1769 SMITH RD
City	PECONIC
State	NY
Zip	11958-1629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Description	BOOK 12463 PAGE 222 BILL 011469
Legal Block	4
Legal Lot Number	20
Jurisdiction	SUFFOLK NY
Township / Civil Division	SOUTHOLD
Census Block Group	1
Census Block	1013
Census Tract	170006

Owner

Source: Suffolk County and Southold 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	2 Individual Names on Record
Mailing Address	PO BOX 247, PECONIC, NY 11958-0247
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2022	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
May 16, 2017	Grant Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2017 · Amount on Record
Deed Sale	May 16, 2017 · Amount on Record
Prior Sale	Mar 17, 2005 · Amount on Record
Deed Book / Page	12912 / 774
Prior Transfer Date	Sep 28, 2007
Prior Transfer Doc	0125260248
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	1769 SMITH RD, PECONIC, NY 11958-1629
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233980288
Date	Mar 29, 2022
Book Page	23398/288
Instrument	DM074198

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	1.75%
Type Change Date	Jan 1, 2032

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	May 16, 2017
Property Address	1769 SMITH RD, PECONIC, NY 11958-1629
Document Number	0129120774
Book / Page	012912 / 000774
Instrument Date	Mar 29, 2017
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	SEAPORT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,100.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 STRATFORD RD ROCKVILLE CENTRE NY 115702147, ROCKVILLE CENTRE, NY 11570-2147

Mortgage

Document Number	228180108
Date	May 16, 2017
Book Page	022818/000108

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Southold Town
Unified School District	Southold Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$12,650 (-15.1%) Land $2,400 Building $10,250	$2,300,000 (+8,698.44%) Land $436,364 Building $1,863,636
2024	$21,605.00
2023		$14,900 Land $2,400 Building $12,500	$26,141 Land $4,211 Building $21,930

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 42 policies
Nearby Flood Policies	42 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 95% of New York
Wildfire Likelihood	Under 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.

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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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