2 Charter Ln, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 2 Charter Ln, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,282 sqft · built 1961
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$645,000 (Apr 2019)
Tax Bill	$17,832 (2024)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473489 96.-1-49`

Property Details

APN / Parcel Number

Primary APN	`473489 96.-1-49`
Alternative APNs	`0800-096.00-01.00-049.000` `348909600000010490000000` `47340023294` `S70316`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,282 sqft Living Area
Gross Area	2,156 sqft
1st Floor Area	1,282 sqft
Basement Area	874 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Basement

Exterior Amenities

Porch	Open Porch
Porch Area	473 sqft
Shed	1 Shed
Shed Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	S70316
Street Address	2 CHARTER LN
City	SMITHTOWN
State	NY
Zip	11787-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16-642126 TC-69 *4206 LOT 52 ROYAL VILLAS SEC 2
Legal Block	1
Legal Lot Number	49
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	3
Census Block	3018
Census Tract	135103

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	2 Individual Names on Record
Mailing Address	2 CHARTER LN, SMITHTOWN, NY 11787-2302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS
Apr 11, 2019	Deed, Transfer
Apr 4, 2017	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2019 · Amount on Record
Deed Sale	Apr 11, 2019 · Amount on Record
Deed Book / Page	13008 / 14
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	2 CHARTER LN, SMITHTOWN, NY 11787-2302
Document Number	0231590852
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 CHARTER LN SMITHTOWN NY 117872302, SMITHTOWN, NY 11787-2302

Mortgage

Document Number	0231590852
Date	Aug 2, 2020
Book Page	023159/000852

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Apr 11, 2019
Property Address	2 CHARTER LN, SMITHTOWN, NY 11787-2302
Document Number	0130080014
Book / Page	13008 / 14
Instrument Date	Mar 22, 2019
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	2 CHARTER LN, SMITHTOWN, NY 11787-2302
Document Number	0228380843
Instrument Date	Apr 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	LAND BOUND SERVICES LLC, LAND BOUND

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 CHARTER LN SMITHTOWN NY 117872302, SMITHTOWN, NY 11787-2302

Mortgage

Document Number	0228380843
Date	Aug 2, 2017
Book Page	022838/000843

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate

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		$7,607 (+5.49%) Land $300 Building $7,307	$950,875 (+11,371.53%) Land $37,500 Building $913,375
2024	$17,832.00
2023		$7,211 Land $300 Building $6,911	$8,289 Land $345 Building $7,944

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (1978–2024)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Aug 2024 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Aug 2024 · 2 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 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	SMITHTOWN WATER DISTRICT serves 19,635 people · EPA ID NY5105656
Water Source	Purchased groundwater from SUFFOLK COUNTY WATER AUTHORITY
Last State Inspection	Dec 2025
Lead	1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 391 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

May also be available: T-Mobile.

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