Suffolk County and Smithtown Town property record for 20 Clover Dr, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,071 sqft · built 1963 |
| Lot Size | 0.64 acres (27,878 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $475,000 (Jul 2018) |
| Tax Bill | $10,678 (2024) |
| Deeds & Mortgages | Nov 2021 Line of Credit Oct 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 151.-3-12 |
| Primary APN | 473489 151.-3-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,071 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Basement Area | 875 sqft |
| Finished Basement | 875 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 27,878 sqft (0.64 acres) |
| View / Lot | Suburban |
| Garage Type | Basement |
| Porch | Open Porch |
| Shed | 1 Shed |
| Shed Area | 85 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 20 CLOVER DR |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-4211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18-738676 TC-84 *1407 LOTS 352 & 353 SMITHTOWN PINES UNIT 2 |
| Legal Block | 3 |
| Legal Lot Number | 12 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 135500 |
20 Clover Dr is owned and occupied by two individuals who acquired it in September 2020.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 CLOVER DR, SMITHTOWN, NY 11787-4211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 17, 2021 | Deed of Trust, Mortgage · Line of Credit JOVIA FINANCIAL CREDIT UNION |
| Oct 29, 2020 | Deed, Transfer |
| Jul 6, 2018 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2018 · Amount on File |
| Deed Sale | Jul 6, 2018 · Amount on File |
| Deed Book / Page | 12968 / 307 |
| Last Transfer Date | Sep 10, 2020 |
| Transfer Doc | 0130760371 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 CLOVER DR, SMITHTOWN, NY 11787-4211 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0233460966 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | 23346/966 |
| Instrument | DM047796 |
| Name | JOVIA FINANCIAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Oct 29, 2020 |
| Property Address | 20 CLOVER DR, SMITHTOWN, NY 11787-4211 |
| Document Number | 0130760371 |
| Book / Page | 13076 / 371 |
| Instrument Date | Sep 10, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jul 6, 2018 |
| Property Address | 20 CLOVER DR, SMITHTOWN, NY 11787-4211 |
| Document Number | 0129680307 |
| Book / Page | 12968 / 307 |
| Instrument Date | Jun 4, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 | $5,570 Land $220 Building $5,350 | $696,250 Land $27,500 Building $668,750 | |
| 2024 | $10,678.00 | ||
| 2023 | $5,570 Land $220 Building $5,350 | $6,402 Land $253 Building $6,149 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 20 Clover Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 20 Clover Dr is low, with a 0.01% annual chance of 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 | 0.01% 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 268 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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