4 Smith Ln, Saint James, NY 11780 Property Records

Suffolk County and Smithtown Town property record for 4 Smith Ln, Saint James, NY 11780

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,099 sqft · built 1985
Lot Size	1.96 acres (85,378 sqft)
Owner	2 Trust Names on File
Last Sale	$875,000 (Jun 2022)
Tax Bill	$22,477 (2024)
Deeds & Mortgages	Mar 2026 Line of Credit May 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473403 10.-2-2`

Property Details

APN / Parcel Number

Primary APN	`473403 10.-2-2`
Alternative APNs	`0802-010.00-02.00-002.000` `340301000000020020000000` `4734001096`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,099 sqft Living Area
Gross Area	5,118 sqft
1st Floor Area	2,571 sqft
2nd Floor Area	1,528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	85,378 sqft
View / Lot	Suburban
Garage Type	Attached
Garage Area	1,019 sqft
Parking Spaces	3 Parking Spaces
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 SMITH LN
City	SAINT JAMES
State	NY
Zip	11780-3810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-35401 TC-75 SENAMI CORP SENAMI CORSMITH LA PISCIOTTA
Legal Block	2
Legal Lot Number	2
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1005
Census Tract	135004

Owner

4 Smith Ln is owner-occupied and held in a trust since June 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	4 SMITH LN, SAINT JAMES, NY 11780-3810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

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

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 31, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance TEACHERS FCU
Jun 14, 2022	Deed, Transfer · Stand-Alone Refinance JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2022 · Amount on File
Deed Sale	Jun 14, 2022 · Amount on File
Prior Sale	Feb 16, 1996 · Amount on File
Deed Book / Page	13160 / 291
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	4 SMITH LN, SAINT JAMES, NY 11780-3810
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0237160388
Date	Mar 12, 2026
Book Page	23716/388

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	4 SMITH LN, SAINT JAMES, NY 11780-3810
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0235100143
Date	May 31, 2023
Book Page	23510/143

Lender

Name	TEACHERS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	229 Months
Due	Jun 1, 2042

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jun 14, 2022
Property Address	4 SMITH LN, SAINT JAMES, NY 11780-3810
Document Number	0131600291
Book / Page	13160 / 291
Instrument Date	Apr 28, 2022
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	686 PARK AVE, HUNTINGTON, NY 11743-3978

Mortgage

Document Number	0234270417
Date	Jun 14, 2022
Book Page	23427/417

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$10,740 Land $1,200 Building $9,540	$1,342,500 Land $150,000 Building $1,192,500
2024	$22,477.00
2023		$10,740 Land $1,200 Building $9,540	$12,345 Land $1,379 Building $10,966

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4 Smith Ln in Zone X, an area of minimal flood risk, though there have been 49 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	49 (1978–2024)
Claims Outside the SFHA	17 of 49
Most Recent Claim	Aug 2024 · Severe Storm And Flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 15 claims Hurricane Irene, Aug 2011 · 3 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 9 claims

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

Wildfire risk around 4 Smith Ln is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 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

Cell Coverage

5G (outdoors only) and 4G LTE

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