3 Lower Rd, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 3 Lower Rd, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Tax Bill	$13,506 (2024)
Deeds & Mortgages	Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`473489 50.-3-41`

Property Details

APN / Parcel Number

Primary APN	`473489 50.-3-41`
Alternative APNs	`0800-050.00-03.00-041.000` `348905000000030410000000` `47340012712` `S80171`

Exterior

Lot Area	23,958 sqft (0.55 acres)

Location & Zoning

Account Number	S80171
Street Address	3 LOWER RD
City	SMITHTOWN
State	NY
Zip	11787-1523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-612376 TC-66 *2976 LOT 155 RIVIERA RIDGE SEC 3
Legal Block	3
Legal Lot Number	41
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	3
Census Block	3003
Census Tract	134902

Owner

Source: Suffolk County and Smithtown Town records · APN 473489 50.-3-41

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 LOWER RD, SMITHTOWN, NY 11787-1523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 27, 1995
Transfer Doc	1174000610
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	3 LOWER RD, SMITHTOWN, NY 11787-1523
Document Number	0230420107
Instrument Date	Jun 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 LOWER RD SMITHTOWN NY 117871523, SMITHTOWN, NY 11787-1523

Mortgage

Document Number	0230420107
Date	Jul 15, 2019
Book Page	023042/000107

Lender

Name	MR COOPER
Address	8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2049

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$5,365 (-) Land $450 Building $4,915	$670,625 (+10,776.18%) Land $56,250 Building $614,375
2024	$13,506.00
2023		$5,365 Land $450 Building $4,915	$6,166 Land $517 Building $5,649

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	4 in force
Nearby Flood Claims	1 (1991)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 1991 · Hurricane Bob

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	2,300 / 2,300
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 263 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	SMITHTOWN WATER DISTRICT serves 19,635 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.