Suffolk County and Smithtown Town property record for 24 Clover Dr, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,357 sqft · built 1955 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (Aug 2002) |
| Tax Bill | $13,662 (2024) |
| Deeds & Mortgages | Jul 2023 Sale & Refinance Oct 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 151.-3-15 |
| Primary APN | 473489 151.-3-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,357 sqft Living Area |
| Gross Area | 2,836 sqft |
| 1st Floor Area | 1,540 sqft |
| 2nd Floor Area | 817 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 22,651 sqft (0.52 acres) |
| Garage Type | Attached |
| Garage Area | 479 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 134 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Oil |
| Street Address | 24 CLOVER DR |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-4211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18-738801 TC-84 *1407 PT L 362-363 SMITHTOWN PINES UNIT 2 |
| Legal Subdivision | MAP SMITHTOWN PINES UNIT TWO |
| Legal Block | 3 |
| Legal Lot Number | 15 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 135500 |
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 | 24 CLOVER DR, SMITHTOWN, NY 11787-4211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2023 | Deed, Transfer · Stand-Alone Refinance EMBRACE HOME LOANS INC |
| Oct 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance PARKSIDE LENDING LLC |
| Jan 26, 2018 | Deed of Trust, Mortgage UNITED WHOLESALE MTG |
| Jan 20, 2017 | Deed of Trust, Mortgage · Line of Credit TD BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2002 · Amount on Record |
| Deed Sale | Aug 7, 2002 · Amount on Record |
| Deed Book / Page | 12201 / 754 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jul 20, 2023 |
| Property Address | 24 CLOVER DR, SMITHTOWN, NY 11787-4211 |
| Document Number | 0132100446 |
| Book / Page | 13210 / 446 |
| Instrument Date | Feb 23, 2023 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2024 |
| 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 | 56 PICKWICK LN, NORTH BABYLON, NY 11703-5212 |
| Document Number | 0235210645 |
|---|---|
| Date | Jul 20, 2023 |
| Book Page | 23521/645 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 24 CLOVER DR, SMITHTOWN, NY 11787-4211 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231870860 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | 23187/860 |
| Instrument | DL032003 |
| Name | PARKSIDE LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 24 CLOVER DR, SMITHTOWN, NY 11787-4211 |
| Document Number | 0229090144 |
| Instrument Date | Jan 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2018 |
| Title Company | CIS ABSTRACT |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 24 CLOVER DR SMITHTOWN NY 117874211, SMITHTOWN, NY 11787-4211 |
| Document Number | 0229090144 |
|---|---|
| Date | Mar 15, 2018 |
| Book Page | 022909/000144 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 14, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 24 CLOVER DR, SMITHTOWN, NY 11787-4211 |
| Document Number | 0227870490 |
| Book / Page | 022787 / 000490 |
| Instrument Date | Jan 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2017 |
| Name | Verified Name |
|---|---|
| Address | 24 CLOVER DR SMITHTOWN NY 117874211, SMITHTOWN, NY 11787-4211 |
| Document Number | 0227870490 |
|---|---|
| Date | Feb 7, 2017 |
| Book Page | 022787/000490 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 6, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $7,360 (-) Land $145 Building $7,215 | $920,000 (+10,774.7%) Land $18,125 Building $901,875 | |
| 2024 | $13,662.00 | ||
| 2023 | $7,360 Land $145 Building $7,215 | $8,460 Land $167 Building $8,293 |
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 | 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.
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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