Suffolk County and Smithtown Town property record for 247 3rd Ave, Saint James, NY 11780
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 976 sqft · built 1956 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $420,000 (Aug 2018) |
| Tax Bill | $9,932 (2024) |
| Deeds & Mortgages | Jul 2020 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 55.-2-60 |
| Primary APN | 473489 55.-2-60 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 976 sqft Living Area |
| Gross Area | 1,216 sqft |
| 1st Floor Area | 976 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 10,890 sqft (0.25 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | J21220 |
|---|---|
| Street Address | 247 3RD AVE |
| City | SAINT JAMES |
| State | NY |
| Zip | 11780-2609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 20-782701 TC-76 *585 LOT 260 & 261 ST JAMES PARK |
| Legal Block | 2 |
| Legal Lot Number | 60 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 3 |
| Census Block | 3053 |
| Census Tract | 135003 |
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 | 247 3RD AVE, SAINT JAMES, NY 11780-2609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2020 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 14, 2018 | Grant Deed, Transfer · Conventional with PMI HOME AMERICA LNDG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2018 · Amount on Record |
| Deed Sale | Aug 14, 2018 · Amount on Record |
| Prior Sale | Feb 18, 2010 · Amount on Record |
| Deed Book / Page | 12973 / 869 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 247 3RD AVE, SAINT JAMES, NY 11780-2609 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231580181 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 23158/181 |
| Instrument | DL018027 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Aug 14, 2018 |
| Property Address | 247 3RD AVE, SAINT JAMES, NY 11780-2609 |
| Document Number | 0129730869 |
| Book / Page | 012973 / 000869 |
| Instrument Date | Jul 17, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 30 APEX DR CORAM NY 117271417, CORAM, NY 11727-1417 |
| Document Number | 229500517 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 022950/000517 |
| Name | HOME AMERICA LNDG CORP |
|---|---|
| Address | 20 OAK ST #, PATCHOGUE, NY 11772 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 13, 2048 |
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 | $3,690 (-) Land $200 Building $3,490 | $461,250 (+10,775.97%) Land $25,000 Building $436,250 | |
| 2024 | $9,932.00 | ||
| 2023 | $3,690 Land $200 Building $3,490 | $4,241 Land $230 Building $4,011 |
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 | 1 in force |
| Nearby Flood Claims | 1 (1986) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 1986 · river or lake flooding |
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 | ST JAMES WATER DISTRICT serves 10,587 people · EPA ID NY5103266 |
|---|---|
| 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 474 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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