Suffolk County and Islip Town property record for 28 Smith St, Central Islip, NY 11722
| Property Type | Single Family Home |
|---|---|
| Details | 1,129 sqft · built 1992 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,000 (Mar 2022) |
| Deeds & Mortgages | Aug 2026 Line of Credit Mar 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 472889 141.-2-59.5 |
| Primary APN | 472889 141.-2-59.5 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,129 sqft Living Area |
|---|---|
| 1st Floor Area | 640 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Lot Area | 2,178 sqft (0.05 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Account Number | 791437 |
|---|---|
| Street Address | 28 SMITH ST |
| City | CENTRAL ISLIP |
| State | NY |
| Zip | 11722-4128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RRD |
| Legal Description | EDZ T024H00000000 |
| Legal Subdivision | COLLEGE WOODS |
| Legal Block | 1000 |
| Legal Lot Number | 200 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | ISLIP |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 146203 |
28 Smith St is owned and occupied by two individuals who bought it in March 2022.
Source: Suffolk County and Islip Town records, as of October 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 SMITH ST, CENTRAL ISLIP, NY 11722-4128 |
| 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.
| Date | Document |
|---|---|
| Aug 24, 2026 | Deed of Trust, Mortgage · Line of Credit RIDGEWOOD SAVINGS BANK |
| Mar 17, 2022 | Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA |
| Jun 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Nov 2, 2018 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2022 · Amount on File |
| Deed Sale | Mar 17, 2022 · Amount on File |
| Prior Sale | Nov 2, 2018 · Amount on File |
| Deed Book / Page | 13147 / 660 |
| Prior Transfer Date | Apr 15, 2013 |
| Prior Transfer Doc | 0127430712 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Aug 24, 2026 |
| Property Address | 28 SMITH ST, CENTRAL ISLIP, NY 11722-4128 |
| Document Number | 2374000360 |
| Book / Page | 23746 / 360 |
| Instrument Date | May 22, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | 28 SMITH ST, CENTRAL ISLIP, NY 11722-4128 |
| Document Number | 2374000360, |
|---|---|
| Date | Aug 24, 2026 |
| Book Page | 23746/360 |
| Name | RIDGEWOOD SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Mar 17, 2022 |
| Property Address | 28 SMITH ST, CENTRAL ISLIP, NY 11722-4128 |
| Document Number | 0131470660 |
| Book / Page | 13147 / 660 |
| Instrument Date | Jan 20, 2022 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2023 |
| Amount | Amount on Record |
|---|---|
| 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 | 200 S MIDDLE NECK RD APT K8, K8, GREAT NECK, NY 11021-4628 |
| Document Number | 00DM072021 |
|---|---|
| Date | Mar 17, 2022 |
| Instrument | DM072021 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 28 SMITH ST, CENTRAL ISLIP, NY 11722-4128 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231430660 |
|---|---|
| Date | Jun 16, 2020 |
| Book Page | 23143/660 |
| Instrument | DL010962 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Nov 2, 2018 |
| Property Address | 28 SMITH ST, CENTRAL ISLIP, NY 11722-4128 |
| Document Number | 0129850857 |
| Book / Page | 12985 / 857 |
| Instrument Date | Oct 3, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Suffolk County and Islip Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Islip Town |
| Unified School District | Central Islip Union Free School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $25,100 Land $3,000 Building $22,100 | $353,522 (-) Land $42,254 Building $311,268 |
| 2024 | $353,522 (+2.54%) Land $42,254 Building $311,268 | |
| 2023 | $25,100 Land $3,000 Building $22,100 | $344,780 Land $41,209 Building $303,571 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 28 Smith St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 | 2 in force |
| Nearby Flood Claims | 3 (1979–1980) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Mar 1980 · tidal / storm surge |
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.
The area around 28 Smith St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 551 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures