3 Tree Top Ter, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 3 Tree Top Ter, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on File
Last Sale	$999,999 (Oct 2023)
Tax Bill	$22,339 (2024)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`473489 51.-6-4.14`

Property Details

APN / Parcel Number

Primary APN	`473489 51.-6-4.14`
Alternative APNs	`0800-051.00-06.00-004.014` `348905100000060040140000` `47340012984` `S190013`

Exterior

Lot Area	50,094 sqft

Location & Zoning

Account Number	S190013
Street Address	3 TREE TOP TER
City	SMITHTOWN
State	NY
Zip	11787-1145
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-10576.15 TC-70 NISSEQUOGUE OVERLOOK *719SEC 1 LOT 13
Legal Block	6
Legal Lot Number	4
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2002
Census Tract	134902

Owner

Source: Suffolk County and Smithtown Town records · APN 473489 51.-6-4.14

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	1515 DEVONSHIRE RD, HAUPPAUGE, NY 11788-4508
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 06, 2023 · Amount on Record
Deed Sale	Oct 06, 2023 · Amount on Record
Deed Book / Page	13221 / 501
Record Updated	Sep 20, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Oct 06, 2023
Property Address	3 TREE TOP TER, SMITHTOWN, NY 11787-1145
Document Number	0132210501
Book / Page	13221 / 501
Instrument Date	Sep 07, 2023
Transaction Type	Transfer
Record Updated	Mar 12, 2024
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 DEVONSHIRE RD, HAUPPAUGE, NY 11788-4508

Mortgage

Document Number	0002354158
Date	Oct 06, 2023
Instrument	23541/58

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Type Change Date	Oct 01, 2028
Max Rate At Change	3.2%
Index	Other

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		$8,600 (-16.06%) Land $1,150 Building $7,450	$1,075,000 (+9,028.74%) Land $143,750 Building $931,250
2024	$22,339.00
2023		$10,245 Land $1,150 Building $9,095	$11,776 Land $1,322 Building $10,454

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031349022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.02% 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, availability as of December 31, 2025 · sampled at 136 locations within half a mile · Last verified October 2026

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

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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.