Suffolk County and Smithtown Town property record for 409 Sunset Ln, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,738 (2024) |
| Deeds & Mortgages | Jun 2026 Reverse Mortgage Jun 2026 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 155.-4-21 |
| Primary APN | 473489 155.-4-21 |
|---|---|
| Alternative APNs |
|
| Lot Area | 21,780 sqft (0.5 acres) |
|---|
| Street Address | 409 SUNSET LN |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-4422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 8-316926 TC-56 *1578 PL 7 LOT 409 FOREST BROOK ACRES |
| Legal Block | 4 |
| Legal Lot Number | 21 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 135305 |
409 Sunset Ln is owned and occupied by two individuals.
Source: Suffolk County and Smithtown Town records, as of August 27, 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 SUNSET LN, SMITHTOWN, NY 11787-4422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 18, 2026 | Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HSNG COMMISSIONER |
| Jun 18, 2026 | Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jun 18, 2026 |
| Property Address | 409 SUNSET LN, SMITHTOWN, NY 11787-4422 |
| Document Number | 2373000775 |
| Book / Page | 23732 / 775 |
| Instrument Date | May 15, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Title Company | STEWART GUARANTY TITLE, STEWART TITLE GUARANTY COMPA |
| Name | Verified Name |
|---|---|
| Address | 409 SUNSET LN, SMITHTOWN, NY 11787-4422 |
| Document Number | 2373000775, |
|---|---|
| Date | Jun 18, 2026 |
| Book Page | 23732/775 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 997 Months |
| Due | Jul 1, 2109 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jun 18, 2026 |
| Property Address | 409 SUNSET LN, SMITHTOWN, NY 11787-4422 |
| Document Number | 2373000774 |
| Book / Page | 23732 / 774 |
| Instrument Date | May 15, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Title Company | STEWART GUARANTY TITLE, STEWART TITLE GUARANTY COMPA |
| Name | Verified Name |
|---|---|
| Address | 409 SUNSET LN, SMITHTOWN, NY 11787-4422 |
| Document Number | 2373000774, |
|---|---|
| Date | Jun 18, 2026 |
| Book Page | 23732/774 |
| Name | LONGBRIDGE FINANCIAL LLC |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 997 Months |
| Due | Jul 1, 2109 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
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 |
| Unified School District | Hauppauge Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,570 Land $200 Building $2,370 | $321,250 Land $25,000 Building $296,250 | |
| 2024 | $4,738.00 | ||
| 2023 | $2,570 Land $200 Building $2,370 | $2,954 Land $230 Building $2,724 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Sunset Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2014.
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 | 6 in force |
| Nearby Flood Claims | 4 (2014–2023) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jul 2023 · rainfall accumulation |
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 409 Sunset 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.
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 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
May also be available: T-Mobile.
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