40 Croft Ln, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 40 Croft Ln, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,345 sqft · built 1950
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$599,000 (Jul 2018)
Tax Bill	$15,351 (2024)
Deeds & Mortgages	Jun 2022 Refinance Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`473489 126.-3-25.1`

Property Details

APN / Parcel Number

Primary APN	`473489 126.-3-25.1`
Alternative APNs	`0800-126.00-03.00-025.001` `348912600000030250010000` `47340029624`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,345 sqft Living Area
1st Floor Area	1,945 sqft
2nd Floor Area	400 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Old Style
Exterior Material	Wood
Lot Area	39,204 sqft (0.9 acres)
View / Lot	Suburban
Garage Type	Detached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 CROFT LN
City	SMITHTOWN
State	NY
Zip	11787-4110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21-821701.1 TC-70 *1634 LOT 3 SYLVANCROFT
Legal Subdivision	SYLVANCROFT
Legal Block	3
Legal Lot Number	25
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1027
Census Tract	135500

Owner

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	40 CROFT LN, SMITHTOWN, NY 11787-4110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SUFFOLK FCU
Feb 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHASE BK/TX
Feb 11, 2020	Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage CHASE BK/TX
Jul 19, 2018	Deed, Transfer
Feb 7, 2017	Deed of Trust, Mortgage · Line of Credit CAPITAL ONE NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2018 · Amount on Record
Deed Sale	Jul 19, 2018 · Amount on Record
Prior Sale	Nov 15, 1994 · Amount on Record
Deed Book / Page	12970 / 295
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	40 CROFT LN, SMITHTOWN, NY 11787-4110
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234250743
Date	Jun 9, 2022
Book Page	23425/743

Lender

Name	SUFFOLK FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	40 CROFT LN, SMITHTOWN, NY 11787-4110
Document Number	0231310106
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 CROFT LN SMITHTOWN NY 117874110, SMITHTOWN, NY 11787-4110

Mortgage

Document Number	0231310106
Date	Apr 30, 2020
Book Page	023131/000106

Lender

Name	CHASE BK/TX
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 29, 2035

February 2020: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	40 CROFT LN, SMITHTOWN, NY 11787-4110
Document Number	0231310107
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 CROFT LN SMITHTOWN NY 117874110, SMITHTOWN, NY 11787-4110

Mortgage

Document Number	0231310107
Date	Apr 30, 2020
Book Page	023131/000107

Lender

Name	CHASE BK/TX
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 29, 2035

Interest

Rate Type	Fixed Rate
Rate	2.99%

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jul 19, 2018
Property Address	40 CROFT LN, SMITHTOWN, NY 11787-4110
Document Number	0129700295
Book / Page	12970 / 295
Instrument Date	Jun 29, 2018
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount Recorded
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

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	40 CROFT LN, SMITHTOWN, NY 11787-4110
Document Number	0228030288
Instrument Date	Feb 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 CROFT LN SMITHTOWN NY 117874110, SMITHTOWN, NY 11787-4110

Mortgage

Document Number	0228030288
Date	Mar 29, 2017
Book Page	022803/000288

Lender

Name	CAPITAL ONE NA
Type	Funding / Finance Company
Address	PLANO, TX 75024

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 28, 2037

Interest

Rate Type	Adjustable Rate

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
Unified School District	Smithtown Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$9,473 (+59.61%) Land $385 Building $9,088	$1,184,125 (+17,257.45%) Land $48,125 Building $1,136,000
2024	$15,351.00
2023		$5,935 Land $385 Building $5,550	$6,822 Land $443 Building $6,379

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

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 90 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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