Suffolk County and Smithtown Town property record for 20 Harness Rd, Saint James, NY 11780
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,860 sqft · built 1988 |
| Lot Size | 1.08 acres (47,045 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $24,871 (2024) |
| Deeds & Mortgages | Sep 2020 Mortgage Jun 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 80.-3-3.11 |
| Primary APN | 473489 80.-3-3.11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,860 sqft Living Area |
| Gross Area | 3,660 sqft |
| 1st Floor Area | 1,530 sqft |
| 2nd Floor Area | 1,330 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Lot Area | 47,045 sqft |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 800 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 900 sqft |
| Tennis Court | Tennis Court |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 20 HARNESS RD |
|---|---|
| City | SAINT JAMES |
| State | NY |
| Zip | 11780-1655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1-15326 TC-70 WHITESPRUCE FARMS@ SMITHT*8073 LOT11 |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 135004 |
20 Harness Rd is owned and occupied by two individuals.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 HARNESS RD, SAINT JAMES, NY 11780-1655 |
| 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 |
|---|---|
| Sep 24, 2020 | Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA |
| Jun 5, 2020 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 HARNESS RD, SAINT JAMES, NY 11780-1655 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231760827 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 23176/827 |
| Instrument | DL027420 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Jul 1, 2030 |
| Index | LIBOR |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 HARNESS RD, SAINT JAMES, NY 11780-1655 |
| Document Number | 0231760828 |
| Instrument Date | Jun 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 HARNESS RD ST JAMES NY 117801655, ST JAMES, NY 11780-1655 |
| Document Number | 0231760828 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 023176/000828 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 23, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
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 |
| Municipality | Head Of The Harbor Village |
| Unified School District | Smithtown Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,750 Land $1,080 Building $8,670 | $1,218,750 Land $135,000 Building $1,083,750 | |
| 2024 | $24,871.00 | ||
| 2023 | $9,750 Land $1,080 Building $8,670 | $11,207 Land $1,241 Building $9,966 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Harness Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2012.
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 | 3 (2012–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Aug 2024 · Severe Storm And Flooding |
| Claims by Event |
|
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 Harness Rd 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 135 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 | 2,300 / 2,300 |
May also be available: T-Mobile.
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