4 Bluff Rd, Saint James, NY 11780 Property Records

Suffolk County and Smithtown Town property record for 4 Bluff Rd, Saint James, NY 11780 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,441 sqft · built 1977
Lot Size	5.5 acres (239,580 sqft)
Owner	Individual Name on File
Last Sale	$750,000 (Aug 2017)
Tax Bill	$40,744 (2024)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`473403 4.-2-6.17`

Property Details

APN / Parcel Number

Primary APN	`473403 4.-2-6.17`
Alternative APNs	`0802-004.00-02.00-006.017` `47340044456`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,441 sqft Living Area
1st Floor Area	2,423 sqft
2nd Floor Area	1,018 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Colonial
Exterior Material	Brick
Lot Area	239,580 sqft
View / Lot	Suburban
Garage Type	Basement
Porch	Open Porch
Porch Area	1,600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	4 BLUFF RD
City	SAINT JAMES
State	NY
Zip	11780-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MAP OF OAK BLUFFS
Legal Block	2
Legal Lot Number	6
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1006
Census Tract	135004

Owner

Source: Suffolk County and Smithtown Town records · APN 473403 4.-2-6.17

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	Individual Name on File
Mailing Address	4 BLUFF RD, SAINT JAMES, NY 11780-9725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 18, 2017 · Amount on Record
Deed Sale	Aug 18, 2017 · Amount on Record
Prior Sale	Jun 24, 2009 · Amount on Record
Deed Book / Page	D00012925 / 884
Prior Transfer Date	Jun 19, 2013
Record Updated	Sep 20, 2026

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Aug 18, 2017
Property Address	4 BLUFF RD, SAINT JAMES, NY 11780-9725
Document Number	0129250884
Book / Page	012925 / 000884
Instrument Date	Apr 21, 2017
Transaction Type	Transfer
Record Updated	Oct 19, 2017
Title Company	CB TITLE AGENCY/NY LLC, CB TITLE AGCY/NY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1147 LOCUST AVE BOHEMIA NY 117162138, BOHEMIA, NY 11716-2138

Mortgage

Document Number	228450940
Date	Aug 18, 2017
Book Page	022845/000940

Lender

Name	SHARRON MACDONALD
Address	5975 RANCHO DIEGUENO RD, RANCHO SANTA FE, CA 92091
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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
Municipality	Nissequogue Village
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		$18,705 (-5.15%) Land $5,370 Building $13,335	$2,338,125 (+10,215.56%) Land $671,250 Building $1,666,875
2024	$40,744.00
2023		$19,720 Land $5,370 Building $14,350	$22,666 Land $6,172 Building $16,494

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 361031350041, 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Cost	Premium on Record median of 37 individual NFIP policies nearby
Nearby Flood Policies	37 in force 29 of 37 on primary residences
Nearby Flood Claims	49 (1978–2024)
Claims Outside the SFHA	17 of 49
Most Recent Claim	Aug 2024, rainfall accumulation, Severe Storm And Flooding
Flood Events	Hurricane Sandy (Oct 2012), 15 claims Hurricane Irene (Aug 2011), 3 claims Coastal Storm, High Tides, Heavy Rain, & Flooding (Dec 1992), 9 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 5,556 per year
Exposure	Direct burnable vegetation at the parcel

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.