Suffolk County and Smithtown Town property record for 45 Cambridge Dr, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,976 sqft · built 1951 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $515,000 (Jan 2008) |
| Tax Bill | $15,505 (2024) |
| Deeds & Mortgages | Aug 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 473405 9.-3-13.1 |
| Primary APN | 473405 9.-3-13.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,976 sqft Living Area |
| Gross Area | 3,438 sqft |
| 1st Floor Area | 1,638 sqft |
| 2nd Floor Area | 1,338 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Lot Area | 23,087 sqft (0.53 acres) |
| Garage Type | Attached |
| Garage Area | 279 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 512 sqft |
| Porch | Covered Porch |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 45 CAMBRIDGE DR |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-4803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 14-545451 TC-71 *2549 P/LOT 25 OLDE SMITHTOWN ESTATES |
| Legal Block | 3 |
| Legal Lot Number | 13 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 134909 |
Source: Suffolk County and Smithtown Town records, as of August 11, 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 | 45 CAMBRIDGE DR, SMITHTOWN, NY 11787-4803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 30, 2008 · Amount on Record |
| Deed Sale | Jan 30, 2008 · Amount on Record |
| Deed Book / Page | 12539 / 37 |
| Last Transfer Date | Feb 7, 2012 |
| Transfer Doc | D126860577 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 45 CAMBRIDGE DR, SMITHTOWN, NY 11787-4803 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0234490443 |
|---|---|
| Date | Aug 19, 2022 |
| Book Page | 23449/443 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Sep 1, 2051 |
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 | Village Of The Branch |
| Unified School District | Smithtown Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,835 (+36.55%) Land $440 Building $8,395 | $1,104,375 (+14,749.74%) Land $55,000 Building $1,049,375 | |
| 2024 | $15,505.00 | ||
| 2023 | $6,470 Land $440 Building $6,030 | $7,437 Land $506 Building $6,931 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 8 in force |
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.
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 | None beyond ember reach |
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 303 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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