Suffolk County and Smithtown Town property record for 295 Jefferson Ave, Saint James, NY 11780
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,695 sqft · built 1979 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $11,738 (2024) |
| Deeds & Mortgages | May 2021 Refinance Aug 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 56.-1-13 |
| Primary APN | 473489 56.-1-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,695 sqft Living Area |
| 1st Floor Area | 1,695 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 21,780 sqft (0.5 acres) |
| View / Lot | Suburban |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | J32130 |
|---|---|
| Street Address | 295 JEFFERSON AVE |
| City | SAINT JAMES |
| State | NY |
| Zip | 11780-1960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 20-795226 TC-76 *610 LOTS 926 & 927 ST JAMES PARK SEC A |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 135002 |
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 | 295 JEFFERSON AVE, SAINT JAMES, NY 11780-1960 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PHH US MORTGAGE CORP |
| Aug 18, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance JOVIA FINANCIAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 1998 |
| Deed Sale | Sep 8, 1998 |
| Prior Sale | Sep 2, 1998 · Amount on Record |
| Deed Book / Page | 11915 / 734 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 295 JEFFERSON AVE, SAINT JAMES, NY 11780-1960 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0232720521 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 23272/521 |
| Instrument | DM008966 |
| Name | PHH US MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 295 JEFFERSON AVE, SAINT JAMES, NY 11780-1960 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0233140575 |
|---|---|
| Date | Aug 18, 2021 |
| Book Page | 23314/575 |
| Instrument | DM029977 |
| Name | JOVIA FINANCIAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
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 | $4,770 (-) Land $400 Building $4,370 | $596,250 (+10,774.52%) Land $50,000 Building $546,250 | |
| 2024 | $11,738.00 | ||
| 2023 | $4,770 Land $400 Building $4,370 | $5,483 Land $460 Building $5,023 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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