Suffolk County and Smithtown Town property record for 407 River Rd, Saint James, NY 11780
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,450 sqft · built 1985 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $625,000 (Apr 2020) |
| Tax Bill | $19,359 (2024) |
| Deeds & Mortgages | Jun 2022 Refinance Jan 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473403 13.-2-16 |
| Primary APN | 473403 13.-2-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,450 sqft Living Area |
| 1st Floor Area | 2,450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 87,120 sqft |
| View / Lot | Suburban |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 407 RIVER RD |
|---|---|
| City | SAINT JAMES |
| State | NY |
| Zip | 11780-4201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 14-547201 TC-75 *5527 LOT 12 OLD MILL WOODS |
| Legal Block | 2 |
| Legal Lot Number | 16 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 135004 |
407 River Rd is owned and occupied by an individual who bought it in April 2020.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 RIVER RD, SAINT JAMES, NY 11780-4201 |
| 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 |
|---|---|
| Jun 13, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Jan 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Apr 3, 2020 | Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2020 · Amount on File |
| Deed Sale | Apr 3, 2020 · Amount on File |
| Prior Sale | Dec 18, 2009 · Amount on File |
| Deed Book / Page | 13054 / 564 |
| Prior Transfer Date | Aug 3, 2000 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 407 RIVER RD, SAINT JAMES, NY 11780-4201 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0234260271 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 23426/271 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 407 RIVER RD, SAINT JAMES, NY 11780-4201 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0232190221 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 23219/221 |
| Instrument | DL047459 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Feb 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Apr 3, 2020 |
| Property Address | 407 RIVER RD, SAINT JAMES, NY 11780-4201 |
| Document Number | 0130540564 |
| Book / Page | 013054 / 000564 |
| Instrument Date | Nov 20, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,500.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 ANDERSON RD POMONA NY 10970, POMONA, NY 10970 |
| Document Number | 231220578 |
|---|---|
| Date | Apr 3, 2020 |
| Book Page | 023122/000578 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 2, 2050 |
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 | Nissequogue Village |
| Unified School District | Smithtown Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,250 Land $1,200 Building $7,050 | $1,031,250 Land $150,000 Building $881,250 | |
| 2024 | $19,359.00 | ||
| 2023 | $8,250 Land $1,200 Building $7,050 | $9,482 Land $1,379 Building $8,103 |
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 407 River Rd 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 |
|
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 407 River Rd 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 94% of the US · lower than 93% 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 70 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 |
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