3 Bluff Rd, Saint James, NY 11780 Property Records

Suffolk County and Smithtown Town property record for 3 Bluff Rd, Saint James, NY 11780

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,652 sqft · built 1998
Lot Size	2.3 acres (100,188 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Jan 1998)
Tax Bill	$37,082 (2024)
Deeds & Mortgages	Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`473403 4.-2-6.7`

Property Details

APN / Parcel Number

Primary APN	`473403 4.-2-6.7`
Alternative APNs	`0802-004.00-02.00-006.007` `340300400000020060070000` `473400843`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,652 sqft Living Area
Gross Area	4,987 sqft
1st Floor Area	2,018 sqft
2nd Floor Area	1,634 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	100,188 sqft
View / Lot	Suburban
Garage Type	Attached
Garage Area	885 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	3 BLUFF RD
City	SAINT JAMES
State	NY
Zip	11780-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-36116.3 TC-75 *6423 LOT 3 OAK BLUFFS
Legal Subdivision	MAP OAK BLUFFS SECTION ONE
Legal Block	2
Legal Lot Number	6
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1006
Census Tract	135004

Owner

Source: Suffolk County and Smithtown Town assessment roll, APN 473403 4.-2-6.7, as of August 11, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3 BLUFF RD, SAINT JAMES, NY 11780-9725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 02, 1998 · Amount on Record
Deed Sale	Jan 02, 1998 · Amount on Record
Deed Book / Page	11870 / 889
Last Transfer Date	Oct 22, 2020
Record Updated	Sep 20, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Mar 23, 2021
Property Address	3 BLUFF RD, SAINT JAMES, NY 11780-9725
Document Number	0130960450
Book / Page	13096 / 450
Instrument Date	Oct 22, 2020
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 BLUFF RD, SAINT JAMES, NY 11780-9725

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$16,300 (-9.04%) Land $2,380 Building $13,920	$2,037,500 (+9,791.74%) Land $297,500 Building $1,740,000
2024	$37,082.00
2023		$17,920 Land $2,380 Building $15,540	$20,598 Land $2,736 Building $17,862

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), as of September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031350041, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	49 (1978–2024)
Claims Outside the SFHA	17 of 49
Most Recent Claim	Aug 2024 · Severe Storm And Flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 15 claims Hurricane Irene, Aug 2011 · 3 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 9 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 16 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Optimum Communications Fiber · Cable	8,000 / 8,000
Verizon Fiber	2,300 / 2,300

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY5110526, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SUFFOLK COUNTY WATER AUTHORITY serves 1,100,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.