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428 River Rd, Saint James, NY 11780 Property Records

Suffolk County and Smithtown Town property record for 428 River Rd, Saint James, NY 11780

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,092 sqft · built 1935
Lot Size1.36 acres (59,677 sqft)
OwnerTrust Name on File
Last Sale$1,225,000 (Oct 2025)
Tax Bill$16,681 (2024)
Deeds & MortgagesOct 2025 Sale
Oct 2025 Sale
Flood ZoneZone AE (high risk)
APN473403 11.-1-5

Property Details

APN / Parcel Number

Primary APN473403 11.-1-5
Alternative APNs
  • 0802-011.00-01.00-005.000
  • 340301100000010050000000
  • 4734001190

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,092 sqft Living Area
Gross Area1,576 sqft
1st Floor Area1,092 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1935
Effective Year BuiltEffective 1935
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Lot Area59,677 sqft
PorchCovered Porch

Utilities, Heating & Cooling

Heating SystemHVAC
Heating FuelOil

Location & Zoning

Street Address428 RIVER RD
CitySAINT JAMES
StateNY
Zip11780-4200
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1-33086 TC-75 STANISLAW NISSEQUOGUWIEDENKELLER NISSEQUOGU
Legal Block1
Legal Lot Number5
JurisdictionSUFFOLK NY
Township / Civil DivisionSMITHTOWN
Census Block Group1
Census Block1006
Census Tract135004

Owner

428 River Rd is owner-occupied and held in a trust since October 2025.

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

Owner of RecordTrust Name on File
Mailing Address428 RIVER RD, SAINT JAMES, NY 11780-4200
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust

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

DateDocument
Oct 31, 2025Deed, Transfer
Oct 21, 2025Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 21, 2025 · Amount on File
Deed SaleOct 21, 2025 · Amount on File
Deed Book / Page13313 / 663
Prior Transfer DateNov 12, 1997
Prior Transfer Doc1186000352
Record UpdatedSep 20, 2026

October 2025: Deed, Transfer

Document TypeDeed
JurisdictionSUFFOLK NY
Recording DateOct 31, 2025
Property Address428 RIVER RD, SAINT JAMES, NY 11780-4200
Document Number0133150191
Book / Page13315 / 191
Instrument DateAug 11, 2025
Transaction TypeTransfer
Record UpdatedJan 7, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

October 2025: Deed, Transfer

Document TypeDeed
JurisdictionSUFFOLK NY
Recording DateOct 21, 2025
Property Address428 RIVER RD, SAINT JAMES, NY 11780-4200
Document Number0133130663
Book / Page13313 / 663
Instrument DateAug 6, 2025
Transaction TypeTransfer
Record UpdatedDec 24, 2025

Transaction

AmountAmount on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySuffolk County
County SubdivisionSmithtown Town
MunicipalityNissequogue Village
Unified School DistrictSmithtown Central School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,485 (-) Land $1,235 Building $6,250$935,625 (+7.5%) Land $154,375 Building $781,250
2024$16,681.00 Homeowner's exemption$7,485 (-) Land $1,235 Building $6,250$870,349 (+10,015.63%) Land $143,605 Building $726,744
2023$7,485 Land $1,235 Building $6,250$8,604 Land $1,420 Building $7,184

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 428 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 37 policies
Nearby Flood Policies37 in force
Nearby Flood Claims49 (1978–2024)
Claims Outside the SFHA17 of 49
Most Recent ClaimAug 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

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources SystemYes
UnitNY-15 “Sunken Meadow”
Unit TypeSystem Unit
DesignatedNov 25, 2024
NFIP EligibilityEligible (built 1935)
built before the Nov 25, 2025 cutoff

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 428 River Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 93% of the US · lower than 89% of New York
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemSUFFOLK COUNTY WATER AUTHORITY
serves 1,100,000 people · EPA ID NY5110526
Water SourceGroundwater
Last State InspectionJan 2024
Lead1 ppb (2025–2027)
action level 15 ppb

Violations Reported to EPA

Water QualityAsbestos
resolved · Jul 2020
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 33 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Optimum
Fiber · Cable		8,000 / 8,000
Verizon
Fiber		2,300 / 2,300

May also be available: T-Mobile.

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