Suffolk County and Smithtown Town property record for 18 Sterling Ln, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,983 sqft · built 1962 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $458,000 (Jun 2018) |
| Tax Bill | $12,818 (2024) |
| Deeds & Mortgages | May 2026 Line of Credit Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 131.-2-38 |
| Primary APN | 473489 131.-2-38 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,983 sqft Living Area |
| Gross Area | 2,453 sqft |
| 1st Floor Area | 883 sqft |
| 2nd Floor Area | 1,100 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Colonial |
| Exterior Material | Composition/Composite |
| Lot Area | 10,890 sqft (0.25 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 470 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 49 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 18 STERLING LN |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-4722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 17-693576 TC-70 *3087 LOT 126 SHERBROOKE MANOR SEC 3 |
| Legal Block | 2 |
| Legal Lot Number | 38 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 135303 |
Source: Suffolk County and Smithtown Town records · APN 473489 131.-2-38
Assessment roll updated August 11, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 18 STERLING LN, SMITHTOWN, NY 11787-4722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 08, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Apr 29, 2020 | Deed of Trust, Mortgage · Conventional with PMI EMBRACE HM LOANS |
| Jun 19, 2018 | Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 19, 2018 · Amount on Record |
| Deed Sale | Jun 19, 2018 · Amount on Record |
| Deed Book / Page | 12965 / 975 |
| Prior Transfer Date | Mar 10, 2015 |
| Prior Transfer Doc | 0128160329 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | May 08, 2026 |
| Property Address | 18 STERLING LN, SMITHTOWN, NY 11787-4722 |
| Document Number | 2372000429 |
| Book / Page | 23726 / 429 |
| Instrument Date | Aug 12, 2025 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 18 STERLING LN, SMITHTOWN, NY 11787-4722 |
| Document Number | 0237260429, |
|---|---|
| Date | May 08, 2026 |
| Book Page | 23726/429 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Jun 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 18 STERLING LN, SMITHTOWN, NY 11787-4722 |
| Document Number | 0231360003 |
| Instrument Date | Apr 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18 STERLING LN SMITHTOWN NY 117874722, SMITHTOWN, NY 11787-4722 |
| Document Number | 0231360003 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 023136/000003 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 17, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jun 19, 2018 |
| Property Address | 18 STERLING LN, SMITHTOWN, NY 11787-4722 |
| Document Number | 0129650975 |
| Book / Page | 12965 / 975 |
| Instrument Date | May 25, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 59 SUMMIT ST, HICKSVILLE, NY 11801-3357 |
Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Smithtown Town |
| Unified School District | Smithtown Central School District (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,920 (-) Land $300 Building $4,620 | $615,000 (+10,775.33%) Land $37,500 Building $577,500 | |
| 2024 | $12,818.00 | ||
| 2023 | $4,920 Land $300 Building $4,620 | $5,655 Land $345 Building $5,310 |
Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 45 (1979–2016) |
| Claims Outside the SFHA | 39 of 45 |
| Most Recent Claim | Aug 2016 · other causes |
| Claims by Event |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
Based on FCC filings for 366 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SUFFOLK COUNTY WATER AUTHORITY serves 1,100,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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