Suffolk County and Smithtown Town property record for 38 Spruce St, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,970 sqft · built 1966 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $470,000 (Sep 2018) |
| Tax Bill | $14,390 (2024) |
| Deeds & Mortgages | May 2021 Refinance Sep 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 35.-2-29 |
| Primary APN | 473489 35.-2-29 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,970 sqft Living Area |
| Gross Area | 2,661 sqft |
| 1st Floor Area | 1,970 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 22,651 sqft (0.52 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 691 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 380 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | S130281 |
|---|---|
| Street Address | 38 SPRUCE ST |
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-1031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4-149451 TC-67 *3838 LOT 21 ANTIETAM WOODS |
| Legal Subdivision | ANTIETAM WOODS |
| Legal Block | 2 |
| Legal Lot Number | 29 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 134902 |
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 | 38 SPRUCE ST, SMITHTOWN, NY 11787-1031 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HSBC BANK USA |
| Sep 24, 2018 | Deed, Transfer |
| Jan 12, 2017 | Loan Modification, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2018 · Amount on Record |
| Deed Sale | Sep 24, 2018 · Amount on Record |
| Deed Book / Page | 12979 / 662 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 38 SPRUCE ST, SMITHTOWN, NY 11787-1031 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0232750656 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 23275/656 |
| Instrument | DM010759 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Sep 24, 2018 |
| Property Address | 38 SPRUCE ST, SMITHTOWN, NY 11787-1031 |
| Document Number | 0129790662 |
| Book / Page | 12979 / 662 |
| Instrument Date | Aug 29, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 JILLIT DR, SMITHTOWN, NY 11787-1233 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 38 SPRUCE ST, SMITHTOWN, NY 11787-1031 |
| Document Number | 0228220406 |
| Instrument Date | Jan 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Name | Verified Name |
|---|---|
| Address | 38 SPRUCE ST SMITHTOWN NY 117871031, SMITHTOWN, NY 11787-1031 |
| Document Number | 0228220406 |
|---|---|
| Date | Jun 1, 2017 |
| Book Page | 022822/000406 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $5,550 (-) Land $500 Building $5,050 | $693,750 (+10,773.82%) Land $62,500 Building $631,250 | |
| 2024 | $14,390.00 | ||
| 2023 | $5,550 Land $500 Building $5,050 | $6,380 Land $575 Building $5,805 |
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 | 5 in force |
| Nearby Flood Claims | 5 (1978–2021) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 | None beyond ember reach |
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 | SMITHTOWN WATER DISTRICT serves 19,635 people · EPA ID NY5105656 |
|---|---|
| Water Source | Purchased groundwater from SUFFOLK COUNTY WATER AUTHORITY |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
| 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, 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 265 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
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