Suffolk County and Smithtown Town property record for 29 Harding St, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $875,000 (Oct 2025) |
| Tax Bill | $15,427 (2024) |
| Deeds & Mortgages | May 2021 Refinance Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 163.-2-46 |
| Primary APN | 473489 163.-2-46 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,019 sqft (0.23 acres) |
|---|
| Street Address | 29 HARDING ST |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-5521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 22-867751 TC-53 *5900 LOT 27 WHITE OAK AT SMITHTOWN |
| Legal Subdivision | MAP WHITE OAK AT SMITHTOWN |
| Legal Block | 2 |
| Legal Lot Number | 46 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 135401 |
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 | 17 LINDNER PL, SMITHTOWN, NY 11787-2000 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TEACHERS FCU |
| Oct 9, 2025 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2025 · Amount on Record |
| Deed Sale | Oct 9, 2025 · Amount on Record |
| Prior Sale | May 24, 2004 · Amount on Record |
| Deed Book / Page | 13312 / 449 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 29 HARDING ST, SMITHTOWN, NY 11787-5521 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0232780968 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 23278/968 |
| Instrument | DM012447 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 1, 2031 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Oct 9, 2025 |
| Property Address | 29 HARDING ST, SMITHTOWN, NY 11787-5521 |
| Document Number | 0133120449 |
| Book / Page | 13312 / 449 |
| Instrument Date | Aug 28, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2025 |
| 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 | 17 LINDNER PL, SMITHTOWN, NY 11787-2000 |
| Investor | Possibly a Property Investor |
| Document Number | 0023688373 |
|---|---|
| Date | Oct 9, 2025 |
| Instrument | 23688/373 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
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 | $5,940 (-) Land $300 Building $5,640 | $742,500 (+7.5%) Land $37,500 Building $705,000 | |
| 2024 | $15,427.00 | $5,940 (-) Land $300 Building $5,640 | $690,698 (+10,015.67%) Land $34,884 Building $655,814 |
| 2023 | $5,940 Land $300 Building $5,640 | $6,828 Land $345 Building $6,483 |
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 | 5 in force |
| Nearby Flood Claims | 6 (1979–2012) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 95% of the US · lower than 94% 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 | 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 304 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
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