3 Keystone Ct, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 3 Keystone Ct, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Tax Bill	$21,490 (2024)
Deeds & Mortgages	Oct 2021 Refinance Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`473489 130.-4-63.4`

Property Details

APN / Parcel Number

Primary APN	`473489 130.-4-63.4`
Alternative APNs	`0800-130.00-04.00-063.004` `47340043645`

Exterior

Lot Area	17,860 sqft (0.41 acres)

Location & Zoning

Street Address	3 KEYSTONE CT
City	SMITHTOWN
State	NY
Zip	11787-4627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	130.-4-63.4 M/O KEYSTONE TERRACE LOT FILE #11312 FILED 9/28/05
Legal Block	4
Legal Lot Number	63
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2000
Census Tract	135303

Owner

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	3 KEYSTONE CT, SMITHTOWN, NY 11787-4627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Sep 16, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	3 KEYSTONE CT, SMITHTOWN, NY 11787-4627
Transaction Type	Mortgage
Record Updated	Nov 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233340396
Date	Oct 9, 2021
Book Page	23334/396
Instrument	DM039192

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	3 KEYSTONE CT, SMITHTOWN, NY 11787-4627
Document Number	0230700709
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 KEYSTONE CT SMITHTOWN NY 117874627, SMITHTOWN, NY 11787-4627

Mortgage

Document Number	0230700709
Date	Oct 18, 2019
Book Page	023070/000709

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 17, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$8,395 (-) Land $410 Building $7,985	$1,049,375 (+10,775.48%) Land $51,250 Building $998,125
2024	$21,490.00
2023		$8,395 Land $410 Building $7,985	$9,649 Land $471 Building $9,178

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	45 (1979–2016)
Claims Outside the SFHA	39 of 45
Most Recent Claim	Aug 2016 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

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.

Wildfire

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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 238 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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