Suffolk County and Smithtown Town property record for 27 Spruce St, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,295 sqft · built 1962 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Jun 2012) |
| Tax Bill | $9,601 (2024) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 32.-3-38 |
| Primary APN | 473489 32.-3-38 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,295 sqft Living Area |
| Gross Area | 1,929 sqft |
| 1st Floor Area | 1,295 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 10,890 sqft (0.25 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 502 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 264 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | S100119 |
|---|---|
| Street Address | 27 SPRUCE ST |
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-1028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 15-597801 TC-62 *117 L 17-20 INC & W RAPALLO PARK BLK 9 |
| Legal Subdivision | MAP RAPALLO PARK |
| Legal Block | 3 |
| Legal Lot Number | 38 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 134902 |
27 Spruce St is owned and occupied by two individuals who bought it in June 2012.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 27 SPRUCE ST, SMITHTOWN, NY 11787-1028 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2012 · Amount on File |
| Deed Sale | Jun 4, 2012 · Amount on File |
| Prior Sale | May 10, 2006 · Amount on File |
| Deed Book / Page | 12695 / 203 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 27 SPRUCE ST, SMITHTOWN, NY 11787-1028 |
| Document Number | 0232040923 |
| Instrument Date | Nov 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 27 SPRUCE ST SMITHTOWN NY 117871028, SMITHTOWN, NY 11787-1028 |
| Document Number | 0232040923 |
|---|---|
| Date | Dec 8, 2020 |
| Book Page | 023204/000923 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 7, 2050 |
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 | Kings Park Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,160 Land $200 Building $3,960 | $520,000 Land $25,000 Building $495,000 | |
| 2024 | $9,601.00 | ||
| 2023 | $4,160 Land $200 Building $3,960 | $4,782 Land $230 Building $4,552 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 27 Spruce St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.
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 | 5 in force |
| Nearby Flood Claims | 5 (1978–2021) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 27 Spruce St is low, with less than 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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 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 265 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 |
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