Suffolk County and Smithtown Town property record for 4 Cambridge Dr, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,120 sqft · built 1957 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | Individual Name on File |
| Last Sale | $730,000 (Oct 2022) |
| Tax Bill | $15,276 (2024) |
| Deeds & Mortgages | Aug 2026 Line of Credit Oct 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473405 9.-1-18 |
| Primary APN | 473405 9.-1-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,120 sqft Living Area |
| Gross Area | 3,030 sqft |
| 1st Floor Area | 2,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 22,651 sqft (0.52 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 775 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 727 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 4 CAMBRIDGE DR |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-4804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 14-546451 TC-71 *2549 LOT 64 OLDE SMITHTOWN ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 134909 |
4 Cambridge Dr is owned and occupied by an individual who bought it in October 2022.
Source: Suffolk County and Smithtown Town records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4 CAMBRIDGE DR, SMITHTOWN, NY 11787-4804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 19, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Oct 28, 2022 | Deed, Transfer |
| Jan 19, 2018 | Loan Modification, Mortgage · Conventional with PMI M & T BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2022 · Amount on File |
| Deed Sale | Oct 28, 2022 · Amount on File |
| Prior Sale | May 26, 2009 · Amount on File |
| Deed Book / Page | 13175 / 357 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Aug 19, 2026 |
| Property Address | 4 CAMBRIDGE DR, SMITHTOWN, NY 11787-4804 |
| Document Number | 2374000779 |
| Book / Page | 23745 / 779 |
| Instrument Date | May 19, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4 CAMBRIDGE DR, SMITHTOWN, NY 11787-4804 |
| Document Number | 2374000779, |
|---|---|
| Date | Aug 19, 2026 |
| Book Page | 23745/779 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Oct 28, 2022 |
| Property Address | 4 CAMBRIDGE DR, SMITHTOWN, NY 11787-4804 |
| Document Number | 0131750357 |
| Book / Page | 13175 / 357 |
| Instrument Date | Sep 2, 2022 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1826 E 16TH ST, BROOKLYN, NY 11229-2911 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 4 CAMBRIDGE DR, SMITHTOWN, NY 11787-4804 |
| Document Number | 0229200470 |
| Instrument Date | Jan 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2018 |
| Name | Verified Name |
|---|---|
| Address | 4 CAMBRIDGE DR SMITHTOWN NY 117874804, SMITHTOWN, NY 11787-4804 |
| Document Number | 0229200470 |
|---|---|
| Date | Apr 25, 2018 |
| Book Page | 022920/000470 |
| Name | M & T BK |
|---|---|
| Address | 475 CROSSPOINT PKWY, GETZVILLE, NY 14068-1609 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 468 Months |
| Due | Apr 24, 2057 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
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 |
| Municipality | Village Of The Branch |
| Unified School District | Smithtown Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,250 Land $425 Building $5,825 | $781,250 Land $53,125 Building $728,125 | |
| 2024 | $15,276.00 | ||
| 2023 | $6,250 Land $425 Building $5,825 | $7,184 Land $489 Building $6,695 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4 Cambridge Dr in Zone X, an area of minimal flood risk.
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 | 8 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 risk around 4 Cambridge Dr is low, with a 0.01% annual chance of 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 | 0.01% 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 191 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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