3 Jay Way, Saint James, NY 11780 Property Records

Suffolk County and Smithtown Town property record for 3 Jay Way, Saint James, NY 11780

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,285 sqft · built 1984
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on File
Last Sale	$660,000 (Dec 2005)
Tax Bill	$16,777 (2024)
Deeds & Mortgages	Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`473489 83.-4-15.1`

Property Details

APN / Parcel Number

Primary APN	`473489 83.-4-15.1`
Alternative APNs	`0800-083.00-04.00-015.001` `348908300000040150010000` `47340020166` `J31940`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,285 sqft Living Area
Gross Area	3,080 sqft
1st Floor Area	1,155 sqft
2nd Floor Area	1,130 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	29,621 sqft (0.68 acres)
View / Lot	Suburban
Garage Type	Attached
Garage Area	795 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	646 sqft
Shed	1 Shed
Shed Area	140 sqft
Greenhouse	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	J31940
Street Address	3 JAY WAY
City	SAINT JAMES
State	NY
Zip	11780-2908
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20-800326.1 TC-76 KINGS COURT LOT 1 *7220
Legal Block	4
Legal Lot Number	15
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2005
Census Tract	135002

Owner

Source: Suffolk County and Smithtown Town records · APN 473489 83.-4-15.1

Assessment roll updated 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	2 Individual Names on File
Mailing Address	3 JAY WAY, SAINT JAMES, NY 11780-2908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 01, 2005 · Amount on Record
Deed Sale	Dec 01, 2005 · Amount on Record
Deed Book / Page	12422 / 754
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	3 JAY WAY, SAINT JAMES, NY 11780-2908
Document Number	0230620818
Instrument Date	Aug 14, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 JAY WAY ST JAMES NY 117802908, ST JAMES, NY 11780-2908

Mortgage

Document Number	0230620818
Date	Sep 20, 2019
Book Page	023062/000818

Lender

Name	GOLD COAST BK
Type	Bank
Address	ISLANDIA, NY 11749

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 19, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 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

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		$7,500 (-) Land $500 Building $7,000	$937,500 (+10,774.61%) Land $62,500 Building $875,000
2024	$16,777.00
2023		$7,500 Land $500 Building $7,000	$8,621 Land $575 Building $8,046

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% 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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 331 locations within half a mile of this property.

Drinking Water

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

Water System	ST JAMES WATER DISTRICT serves 10,587 people
Water Source	Purchased groundwater from SUFFOLK COUNTY WATER AUTHORITY
Last State Inspection	Dec 2025
Lead	1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

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 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.