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4 Harding St, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 4 Harding St, Smithtown, NY 11787

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,041 sqft · built 1976
Lot Size0.27 acres (11,761 sqft)
Owner2 Individual Names on Record
Last Sale$410,000 (Jul 1994)
Tax Bill$15,076 (2024)
Deeds & MortgagesFeb 2022 Refinance
Aug 2019 Sale
Flood ZoneZone X (minimal risk)
APN473489 163.-2-60

Property Details

APN / Parcel Number

Primary APN473489 163.-2-60
Alternative APNs
  • 0800-163.00-02.00-060.000
  • 348916300000020600000000
  • 47340037884

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,041 sqft Living Area
Gross Area2,815 sqft
1st Floor Area1,123 sqft
2nd Floor Area918 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Architectural StyleColonial
Exterior MaterialComposition/Composite
Lot Area11,761 sqft (0.27 acres)
View / LotSuburban
Garage TypeAttached
Garage Area774 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHot Water
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address4 HARDING ST
CitySMITHTOWN
StateNY
Zip11787-5523
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description22-868401 TC-53 *5900 LOT 54 WHITE OAK AT SMITHTOWN
Legal SubdivisionWHITE OAK/SMITHTOWN
Legal Block2
Legal Lot Number60
JurisdictionSUFFOLK NY
Township / Civil DivisionSMITHTOWN
Census Block Group2
Census Block2023
Census Tract135401

Owner

Source: Suffolk County and Smithtown Town records, as of August 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address4 HARDING ST, SMITHTOWN, NY 11787-5523
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 3, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
JPMORGAN CHASE BANK NA
Aug 23, 2019Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 21, 1994 · Amount on Record
Deed SaleJul 21, 1994 · Amount on Record
Prior SaleJul 19, 1994 · Amount on Record
Deed Book / Page11686 / 413
Last Transfer DateFeb 11, 2004
Transfer Doc0123060934
Record UpdatedSep 20, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUFFOLK NY
Property Address4 HARDING ST, SMITHTOWN, NY 11787-5523
Transaction TypeMortgage
Record UpdatedMar 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0233760698
DateFeb 3, 2022
Book Page23376/698
InstrumentDM063196
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term349 Months
DueMar 1, 2051

August 2019: Deed, Transfer

Document TypeDeed
JurisdictionSUFFOLK NY
Recording DateAug 23, 2019
Property Address4 HARDING ST, SMITHTOWN, NY 11787-5523
Document Number0130250472
Book / Page13025 / 472
Instrument DateJul 2, 2019
Transaction TypeTransfer
Record UpdatedAug 20, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026

Property Jurisdictions

TypeName
StateNew York
CountySuffolk County
County SubdivisionSmithtown Town
Unified School DistrictSmithtown Central School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,800 (-) Land $300 Building $5,500$725,000 (+10,774.46%) Land $37,500 Building $687,500
2024$15,076.00
2023$5,800 Land $300 Building $5,500$6,667 Land $345 Building $6,322

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies5 in force
Nearby Flood Claims6 (1979–2012)
Claims Outside the SFHA4 of 6
Most Recent ClaimOct 2012 · Hurricane Sandy

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 RiskLow
lower than 98% of the US · lower than 97.9% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemSUFFOLK COUNTY WATER AUTHORITY
serves 1,100,000 people · EPA ID NY5110526
Water SourceGroundwater
Last State InspectionJan 2024
Lead1 ppb (2025–2027)
action level 15 ppb

Violations Reported to EPA

Water QualityAsbestos
resolved · Jul 2020
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 304 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Optimum
Fiber · Cable		8,000 / 8,000
Verizon
Fiber		2,300 / 2,300

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