2 Bluff Rd, Saint James, NY 11780 Property Records

Suffolk County and Smithtown Town property record for 2 Bluff Rd, Saint James, NY 11780

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,834 sqft · built 1980
Lot Size	2.15 acres (93,654 sqft)
Owner	Individual Name on Record
Last Sale	$1,100,000 (Oct 2020)
Tax Bill	$22,379 (2024)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`473403 4.-2-6.15`

Property Details

APN / Parcel Number

Primary APN	`473403 4.-2-6.15`
Alternative APNs	`0802-004.00-02.00-006.015` `340300400000020060150000` `473400848`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,834 sqft Living Area
Gross Area	2,356 sqft
1st Floor Area	1,834 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	93,654 sqft
Garage Type	Attached
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	394 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil

Location & Zoning

Street Address	2 BLUFF RD
City	SAINT JAMES
State	NY
Zip	11780-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-36116.8 TC-75 OAK BLUFFS *6423 P/LOTS 1 & 2
Legal Subdivision	MAP OAK BLUFFS SECTION 1
Legal Block	2
Legal Lot Number	6
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1006
Census Tract	135004

Owner

Source: Suffolk County and Smithtown 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	Individual Name on Record
Mailing Address	2 BLUFF RD, SAINT JAMES, NY 11780-9725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2020 · Amount on Record
Deed Sale	Oct 22, 2020 · Amount on Record
Prior Sale	Jun 13, 2012 · Amount on Record
Deed Book / Page	13075 / 351
Prior Transfer Date	Jan 14, 1998
Record Updated	Sep 20, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Oct 22, 2020
Property Address	2 BLUFF RD, SAINT JAMES, NY 11780-9725
Document Number	0130750351
Book / Page	013075 / 000351
Instrument Date	Sep 2, 2020
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 BRAEMER RD SETAUKET NY 117333904, SETAUKET, NY 11733-3904

Mortgage

Document Number	231870250
Date	Oct 22, 2020
Book Page	023187/000250

Lender

Name	EAST COAST CAP CORP
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2050

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
Municipality	Nissequogue Village
Unified School District	Smithtown Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$9,580 (-) Land $2,340 Building $7,240	$1,197,500 (+10,774.5%) Land $292,500 Building $905,000
2024	$22,379.00
2023		$9,580 Land $2,340 Building $7,240	$11,012 Land $2,690 Building $8,322

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 minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	49 (1978–2024)
Claims Outside the SFHA	17 of 49
Most Recent Claim	Aug 2024 · Severe Storm And Flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 15 claims Hurricane Irene, Aug 2011 · 3 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 9 claims

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 80% of the US · above 54% of New York
Wildfire Likelihood	0.02% 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 16 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