27 Whitney Gate, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 27 Whitney Gate, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,324 sqft · built 1961
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$950,000 (Sep 2021)
Tax Bill	$15,874 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473489 75.-4-48`

Property Details

APN / Parcel Number

Primary APN	`473489 75.-4-48`
Alternative APNs	`0800-075.00-04.00-048.000` `348907500000040480000000` `47340018401`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,324 sqft Living Area
Gross Area	3,150 sqft
1st Floor Area	1,132 sqft
2nd Floor Area	840 sqft
Upper Floors Area	352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	21,780 sqft (0.5 acres)
View / Lot	Suburban
Garage Type	Attached
Garage Area	826 sqft
Parking Spaces	3 Parking Spaces
Pool Area	576 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	27 WHITNEY GATE
City	SMITHTOWN
State	NY
Zip	11787-1752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-608126 TC-70 *3150 LOT 17 RIVER HILL
Legal Subdivision	RIVER HILL
Legal Block	4
Legal Lot Number	48
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2010
Census Tract	134908

Owner

Source: Suffolk County and Smithtown Town assessment roll, 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 File
Mailing Address	27 WHITNEY GATE, SMITHTOWN, NY 11787-1752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC
Jul 22, 2020	Deed of Trust, Mortgage · Balloon Mortgage TCF NATIONAL BANK
Jul 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 16, 2021 · Amount on Record
Deed Sale	Sep 16, 2021 · Amount on Record
Prior Sale	Jul 2, 2002 · Amount on Record
Deed Book / Page	13120 / 157
Prior Transfer Date	Dec 8, 2015
Prior Transfer Doc	0128920149
Record Updated	Sep 20, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Sep 16, 2021
Property Address	27 WHITNEY GATE, SMITHTOWN, NY 11787-1752
Document Number	0131200157
Book / Page	13120 / 157
Instrument Date	Jul 27, 2021
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 BIRCHBROOK DR, SMITHTOWN, NY 11787-3602

Mortgage

Document Number	DM034700
Date	Sep 16, 2021
Instrument	DM034700

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	27 WHITNEY GATE, SMITHTOWN, NY 11787-1752
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0231550389
Date	Jul 22, 2020
Book Page	23155/389
Instrument	DL016690

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	27 WHITNEY GATE, SMITHTOWN, NY 11787-1752
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0231510544
Date	Jul 9, 2020
Book Page	23151/544
Instrument	DL014676

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Smithtown Town
Unified School District	Smithtown Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$6,920 (-) Land $500 Building $6,420	$865,000 (+10,775.03%) Land $62,500 Building $802,500
2024	$15,874.00
2023		$6,920 Land $500 Building $6,420	$7,954 Land $575 Building $7,379

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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.

Wildfire

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300
T-Mobile USA Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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