34 Whitney Gate, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 34 Whitney Gate, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on Record
Last Sale	$1,095,000 (Mar 2022)
Tax Bill	$22,276 (2024)
Deeds & Mortgages	Aug 2022 Refinance Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`473489 75.-4-46.1`

Property Details

APN / Parcel Number

Primary APN	`473489 75.-4-46.1`
Alternative APNs	`0800-075.00-04.00-046.001` `348907500000040460010000` `47340018396`

Exterior

Lot Area	30,056 sqft (0.69 acres)

Location & Zoning

Street Address	34 WHITNEY GATE
City	SMITHTOWN
State	NY
Zip	11787-1747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-608076 TC-170 *3150 LOT 15 RIVER HILL
Legal Block	4
Legal Lot Number	46
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2009
Census Tract	134908

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	Individual Name on Record
Mailing Address	34 WHITNEY GATE, SMITHTOWN, NY 11787-1747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CORTCO INC
Jun 27, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Mar 15, 2022	Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Nov 4, 2020	Deed, Transfer · Stand-Alone First Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 31, 2020	Grant Deed, Transfer · Construction Mortgage SIMPLICIO D JORGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2022 · Amount on Record
Deed Sale	Mar 15, 2022 · Amount on Record
Prior Sale	Nov 4, 2020 · Amount on Record
Deed Book / Page	13147 / 85
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	34 WHITNEY GATE, SMITHTOWN, NY 11787-1747
Transaction Type	Mortgage
Record Updated	Dec 5, 2023
Title Company	SECURITY TITLE AND GUARANTY, SECURITY TITLE/GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234510929
Date	Aug 26, 2022
Book Page	23451/929

Lender

Name	CORTCO INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	34 WHITNEY GATE, SMITHTOWN, NY 11787-1747
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234320563
Date	Jun 27, 2022
Book Page	23432/563

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	349 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Mar 15, 2022
Property Address	34 WHITNEY GATE, SMITHTOWN, NY 11787-1747
Document Number	0131470085
Book / Page	13147 / 85
Instrument Date	Nov 18, 2021
Transaction Type	Transfer
Record Updated	Mar 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	591 CONCORD AVE, WILLISTON PARK, NY 11596-1530

Mortgage

Document Number	00DM071062
Date	Mar 15, 2022
Instrument	DM071062

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Apr 1, 2051

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Nov 4, 2020
Property Address	34 WHITNEY GATE, SMITHTOWN, NY 11787-1747
Document Number	0130760880
Book / Page	13076 / 880
Instrument Date	Sep 18, 2020
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	8822 CRESCENT LAKE ST, LAS VEGAS, NV 89113-5203

Mortgage

Document Number	DL033584
Date	Nov 4, 2020
Instrument	DL033584

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Mar 31, 2020
Property Address	34 WHITNEY GATE, SMITHTOWN, NY 11787-1747
Document Number	0130530836
Book / Page	013053 / 000836
Instrument Date	Dec 13, 2019
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	34 WHITNEY GATE SMITHTOWN NY 117871747, SMITHTOWN, NY 11787-1747

Mortgage

Document Number	231200754
Date	Mar 31, 2020
Book Page	023120/000754

Lender

Name	SIMPLICIO D JORGE
Address	25 DEER FIELD CRES, WADING RIVER, NY 11792-2205

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 30, 2021

Interest

Rate	12%

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		$8,710 (-) Land $700 Building $8,010	$1,088,750 (+10,774.45%) Land $87,500 Building $1,001,250
2024	$22,276.00
2023		$8,710 Land $700 Building $8,010	$10,012 Land $805 Building $9,207

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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	0.02% annual chance
Exposure	Direct burnable vegetation

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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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