Suffolk County and Smithtown Town property record for 20 Lower Rd, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,519 sqft · built 1963 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $575,000 (Jun 2021) |
| Tax Bill | $13,030 (2024) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 74.-1-20 |
| Primary APN | 473489 74.-1-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,519 sqft Living Area |
| Gross Area | 1,769 sqft |
| 1st Floor Area | 1,519 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 21,780 sqft (0.5 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 250 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | S80169 |
|---|---|
| Street Address | 20 LOWER RD |
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-1524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 15-612801 TC-66 *2976 LOT 172 RIVIERA RIDGE SEC 3 |
| Legal Subdivision | MAP RIVIERA RIDGE SECTION THREE |
| Legal Block | 1 |
| Legal Lot Number | 20 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 134902 |
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 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2021 | Deed, Transfer · Stand-Alone First Mortgage CONTOUR MORTGAGE CORP |
| Aug 11, 2020 | Deed, Transfer · Stand-Alone First Mortgage ASSOCIATE MORTGAGE BANKERS |
| Dec 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2021 · Amount on Record |
| Deed Sale | Jun 29, 2021 · Amount on Record |
| Prior Sale | Aug 11, 2020 · Amount on Record |
| Deed Book / Page | 13110 / 620 |
| Prior Transfer Date | Jan 26, 1995 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jun 29, 2021 |
| Property Address | 20 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Document Number | 0131100620 |
| Book / Page | 13110 / 620 |
| Instrument Date | Apr 27, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 439 WALNUT ST, LINDENHURST, NY 11757-4737 |
| Document Number | 0232940357 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 23294/357 |
| Instrument | DM020440 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Aug 11, 2020 |
| Property Address | 20 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Document Number | 0130660979 |
| Book / Page | 13066 / 979 |
| Instrument Date | Jul 31, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 PATRICKS WAY, SAINT JAMES, NY 11780-2965 |
| Document Number | DL019907 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | DL019907 |
| Name | ASSOCIATE MORTGAGE BANKERS |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 LOWER RD, SMITHTOWN, NY 11787-1524 |
| Document Number | 0228890570 |
| Book / Page | 022889 / 000570 |
| Instrument Date | Dec 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2018 |
| Title Company | SANDS ABSTRACT LLC |
| Name | Verified Name |
|---|---|
| Address | 20 LOWER RD SMITHTOWN NY 117871524, SMITHTOWN, NY 11787-1524 |
| Document Number | 0228890570 |
|---|---|
| Date | Jan 3, 2018 |
| Book Page | 022889/000570 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 2, 2038 |
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 | $5,005 (-) Land $425 Building $4,580 | $625,625 (+10,774.76%) Land $53,125 Building $572,500 | |
| 2024 | $13,030.00 | ||
| 2023 | $5,005 Land $425 Building $4,580 | $5,753 Land $489 Building $5,264 |
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 | 4 in force |
| Nearby Flood Claims | 1 (1991) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 1991 · Hurricane Bob |
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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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