435 River Rd, Saint James, NY 11780 Property Records

Suffolk County and Smithtown Town property record for 435 River Rd, Saint James, NY 11780

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,824 sqft · built 1969
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$1,150,000 (Aug 2025)
Tax Bill	$21,887 (2024)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`473403 11.-2-2.4`

Property Details

APN / Parcel Number

Primary APN	`473403 11.-2-2.4`
Alternative APNs	`0802-011.00-02.00-002.004` `340301100000020020040000` `4734001202`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,824 sqft Living Area
Gross Area	5,649 sqft
1st Floor Area	2,112 sqft
2nd Floor Area	1,712 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	87,120 sqft
View / Lot	Suburban
Garage Type	Attached
Garage Area	825 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	500 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	435 RIVER RD
City	SAINT JAMES
State	NY
Zip	11780-4201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-34436 TC-75 BUCHET BURNS SPRG HOLLOW ESTRIVER RD
Legal Block	2
Legal Lot Number	2
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1008
Census Tract	135004

Owner

Source: Suffolk County and Smithtown Town records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	435 RIVER RD, SAINT JAMES, NY 11780-4201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2025	Deed, Transfer · Stand-Alone First Mortgage CARRINGTON MORTGAGE SERVICES LLC
Aug 16, 2023	Deed, Transfer · Stand-Alone First Mortgage LOAN FUNDER LLC
Jun 12, 2023	Deed, Transfer
Mar 2, 2018	Grant Deed, Transfer · Conventional Mortgage LOAN FUNDER LLC SERIES 3096

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2025 · Amount on Record
Deed Sale	Aug 6, 2025 · Amount on Record
Prior Sale	Aug 16, 2023 · Amount on Record
Deed Book / Page	13304 / 285
Record Updated	Oct 29, 2026

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Aug 6, 2025
Property Address	435 RIVER RD, SAINT JAMES, NY 11780-4201
Document Number	0133040285
Book / Page	13304 / 285
Instrument Date	Jul 16, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	435 RIVER RD, SAINT JAMES, NY 11780-4201
Investor	Possibly a Property Investor

Mortgage

Document Number	0023674908
Date	Aug 6, 2025
Instrument	23674/908

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Aug 16, 2023
Property Address	435 RIVER RD, SAINT JAMES, NY 11780-4201
Document Number	0132140101
Book / Page	13214 / 101
Instrument Date	Jun 21, 2023
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	825 E GATE BLVD # STE21, STE21, GARDEN CITY, NY 11530-2124
Investor	Possibly a Property Investor

Mortgage

Document Number	0023528853
Date	Aug 16, 2023
Instrument	23528/853

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jun 12, 2023
Property Address	435 RIVER RD, SAINT JAMES, NY 11780-4201
Document Number	0132050246
Book / Page	13205 / 246
Instrument Date	May 2, 2022
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 ORRINGTON AVE # 13TH, EVANSTON, IL 60201-3841

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Mar 2, 2018
Property Address	435 RIVER RD, SAINT JAMES, NY 11780-4201
Document Number	0129520424
Book / Page	012952 / 000424
Instrument Date	Jan 19, 2018
Transaction Type	Transfer
Record Updated	May 8, 2018
Title Company	MAC ABSTRACT

Transaction

Amount	Amount Recorded
Tax	$1,660.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	42 ROUND TREE DR MELVILLE NY 117473322, MELVILLE, NY 11747-3322

Mortgage

Document Number	229050894
Date	Mar 2, 2018
Book Page	022905/000894

Lender

Name	LOAN FUNDER LLC SERIES 3096
Address	40 W 57TH ST # 2040, NEW YORK, NY 10019-4032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	229050895,
Date	Mar 2, 2018
Book Page	022905/000895

Lender

Name	LOAN FUNDER LLC SERIES 3096
Address	40 W 57TH ST # 2040, NEW YORK, NY 10019-4032

Agreement

Amount	Amount Recorded

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		$10,450 (-) Land $930 Building $9,520	$1,306,250 (+10,774.54%) Land $116,250 Building $1,190,000
2024	$21,887.00
2023		$10,450 (-) Land $930 Building $9,520	$12,012 (+12.65%) Land $1,069 Building $10,943
2022		$10,450 Land $930 Building $9,520	$10,663 Land $949 Building $9,714

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
Flood Insurance Cost	Premium on Record 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

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 33 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

May also be available: T-Mobile.

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