Suffolk County and Smithtown Town property record for 20 Format Ln, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,193 sqft · built 1971 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $540,000 (Nov 2019) |
| Tax Bill | $17,228 (2024) |
| Deeds & Mortgages | Apr 2022 Refinance Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 162.-4-45 |
| Primary APN | 473489 162.-4-45 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,193 sqft Living Area |
| Gross Area | 2,613 sqft |
| 1st Floor Area | 1,031 sqft |
| 2nd Floor Area | 1,162 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 20 FORMAT LN |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-5539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 8-325151 TC-53 *4924 LOT 16 FORMAT ESTATES |
| Legal Subdivision | MAP FORMAT ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 45 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 135401 |
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 | 20 FORMAT LN, SMITHTOWN, NY 11787-5539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU |
| Nov 12, 2019 | Grant Deed, Transfer · Conventional Mortgage EVOLVE & TR BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 2019 · Amount on Record |
| Deed Sale | Nov 12, 2019 · Amount on Record |
| Deed Book / Page | 13035 / 815 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 FORMAT LN, SMITHTOWN, NY 11787-5539 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0234050602 |
|---|---|
| Date | Apr 15, 2022 |
| Book Page | 23405/602 |
| Instrument | DN003164 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Nov 12, 2019 |
| Property Address | 20 FORMAT LN, SMITHTOWN, NY 11787-5539 |
| Document Number | 0130350815 |
| Book / Page | 013035 / 000815 |
| Instrument Date | Oct 25, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,160.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 476 GIBBS POND RD NESCONSET NY 117672112, NESCONSET, NY 11767-2112 |
| Document Number | 230780329 |
|---|---|
| Date | Nov 12, 2019 |
| Book Page | 023078/000329 |
| Name | EVOLVE & TR BK |
|---|---|
| Address | 6070 POPLAR AVE # 200, MEMPHIS, TN 38119-3910 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2049 |
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 | Smithtown Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,958 (-14.14%) Land $300 Building $5,658 | $744,750 (+9,237.39%) Land $37,500 Building $707,250 | |
| 2024 | $17,228.00 | ||
| 2023 | $6,939 Land $300 Building $6,639 | $7,976 Land $345 Building $7,631 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 5 in force |
| Nearby Flood Claims | 6 (1979–2012) |
| Claims Outside the SFHA | 4 of 6 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 94% 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.
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 304 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 |
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