Suffolk County and Smithtown Town property record for 345 River Rd, Saint James, NY 11780
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 1 ba · 1,945 sqft · built 1952 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $600,000 (Aug 2023) |
| Tax Bill | $11,344 (2024) |
| Deeds & Mortgages | Aug 2025 Refinance Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 52.-1-1.2 |
| Primary APN | 473489 52.-1-1.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,945 sqft Living Area |
| 1st Floor Area | 1,259 sqft |
| 2nd Floor Area | 686 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Colonial |
| Exterior Material | Composition/Composite |
| Lot Area | 60,984 sqft |
| View / Lot | Suburban |
| Garage Type | Detached |
| Garage Area | 455 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 275 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 345 RIVER RD |
|---|---|
| City | SAINT JAMES |
| State | NY |
| Zip | 11780-1388 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Subdivision | MAP OF ANNA ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 134908 |
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 | 4 SOUTH AVE, SMITHTOWN, NY 11787-3824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Aug 22, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Aug 29, 2023 | Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 29, 2023 · Amount on Record |
| Deed Sale | Aug 29, 2023 · Amount on Record |
| Deed Book / Page | 13215 / 959 |
| Prior Transfer Date | May 29, 2015 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 345 RIVER RD, SAINT JAMES, NY 11780-1388 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0236780401 |
|---|---|
| Date | Aug 22, 2025 |
| Book Page | 23678/401 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Aug 29, 2023 |
| Property Address | 345 RIVER RD, SAINT JAMES, NY 11780-1388 |
| Document Number | 0132150959 |
| Book / Page | 13215 / 959 |
| Instrument Date | Jul 11, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2024 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 SOUTH AVE, SMITHTOWN, NY 11787-3824 |
| Document Number | 0023531995 |
|---|---|
| Date | Aug 29, 2023 |
| Instrument | 23531/995 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Smithtown Town |
| Unified School District | Smithtown Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,170 (-) Land $1,400 Building $2,770 | $521,250 (+10,775.23%) Land $175,000 Building $346,250 | |
| 2024 | $11,344.00 | ||
| 2023 | $4,170 Land $1,400 Building $2,770 | $4,793 Land $1,609 Building $3,184 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 6 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Optimum Cable · Fiber in parts of the area | 940 / 35 |
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