Suffolk County and Smithtown Town property record for 20 Summerset Dr, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,577 sqft · built 1954 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $364,000 (Dec 2001) |
| Tax Bill | $13,086 (2024) |
| Deeds & Mortgages | Jan 2024 Refinance Dec 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 72.-1-46 |
| Primary APN | 473489 72.-1-46 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,577 sqft Living Area |
| Gross Area | 2,240 sqft |
| 1st Floor Area | 1,577 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 43,560 sqft |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 543 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 120 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | S16131 |
|---|---|
| Street Address | 20 SUMMERSET DR |
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-1718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18-704776 TC-82 *1612 LOT 10 SMTHTWN HL SEC 1 FILED &- |
| Legal Subdivision | MAP SECTION ONE SMITHTOWN HILLS |
| Legal Block | 1 |
| Legal Lot Number | 46 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 3 |
| Census Block | 3009 |
| 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 SUMMERSET DR, SMITHTOWN, NY 11787-1718 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 24, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU |
| Dec 11, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Feb 5, 2018 | Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI CITIMORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2001 · Amount on Record |
| Deed Sale | Dec 17, 2001 · Amount on Record |
| Deed Book / Page | 12158 / 576 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 SUMMERSET DR, SMITHTOWN, NY 11787-1718 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0235620669 |
|---|---|
| Date | Jan 24, 2024 |
| Book Page | 23562/669 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 SUMMERSET DR, SMITHTOWN, NY 11787-1718 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0232060238 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 23206/238 |
| Instrument | DL041093 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Jan 1, 2035 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 SUMMERSET DR, SMITHTOWN, NY 11787-1718 |
| Document Number | 0229470674 |
| Instrument Date | Feb 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Document Number | 0229470674 |
|---|---|
| Date | Aug 3, 2018 |
| Book Page | 022947/000674 |
| Name | CITIMORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 1000 TECHNOLOGY DR, O FALLON, MO 63368-2239 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 276 Months |
| Due | Aug 2, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
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 | $5,405 (-) Land $675 Building $4,730 | $675,625 (+10,774.38%) Land $84,375 Building $591,250 | |
| 2024 | $13,086.00 | ||
| 2023 | $5,405 Land $675 Building $4,730 | $6,213 Land $776 Building $5,437 |
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 | 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 | 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 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures