408 River Rd, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 408 River Rd, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,644 sqft · built 1969
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Jul 2019)
Tax Bill	$12,322 (2024)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`473403 13.-1-5.1`

Property Details

APN / Parcel Number

Primary APN	`473403 13.-1-5.1`
Alternative APNs	`0802-013.00-01.00-005.001` `340301300000010050010000` `4734001337`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,644 sqft Living Area
1st Floor Area	737 sqft
2nd Floor Area	907 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Colonial
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	32,670 sqft (0.75 acres)
View / Lot	Suburban
Porch	Open Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	408 RIVER RD
City	SMITHTOWN
State	NY
Zip	11787
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-36676 TC-75 CLEMENT JR TERRACE DRSHORE DR NISS RIVER
Legal Block	1
Legal Lot Number	5
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1006
Census Tract	135004

Owner

408 River Rd is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	408 RIVER RD, SMITHTOWN, NY 11787
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2019 · Amount on File
Deed Sale	Jul 10, 2019 · Amount on File
Deed Book / Page	13018 / 961
Record Updated	Sep 20, 2026

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jul 10, 2019
Property Address	408 RIVER RD, SMITHTOWN, NY 11787
Document Number	0130180961
Book / Page	013018 / 000961
Instrument Date	May 22, 2019
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,880.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 BEA AVE EAST NORTHPORT NY 117315002, EAST NORTHPORT, NY 11731-5002

Mortgage

Document Number	230400874
Date	Jul 10, 2019
Book Page	023040/000874

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	1111 POLARIS PARKWAY #, COLUMBUS, OH 43240

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2049

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		$5,150 Land $405 Building $4,745	$643,750 Land $50,625 Building $593,125
2024	$12,322.00
2023		$5,150 Land $405 Building $4,745	$5,920 Land $466 Building $5,454

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 408 River Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 408 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.

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 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