Suffolk County and Smithtown Town property record for 45 Prospect St, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,714 sqft · built 1997 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Sep 1997) |
| Tax Bill | $19,256 (2024) |
| Deeds & Mortgages | Jun 2019 Construction Loan Apr 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 76.-3-2.4 |
| Primary APN | 473489 76.-3-2.4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,714 sqft Living Area |
| Gross Area | 3,742 sqft |
| 1st Floor Area | 1,470 sqft |
| 2nd Floor Area | 1,244 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 23,087 sqft (0.53 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 795 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 233 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 45 PROSPECT ST |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-2716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1-23801 TC-70 EMMA ESTATES *9974 LOT 4 |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 134908 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45 PROSPECT ST, SMITHTOWN, NY 11787-2716 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 12, 2019 | Deed of Trust, Mortgage · Construction Mortgage FREEDOM MORTGAGE CORP |
| Apr 30, 2019 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage FREEDOM MTG |
| Mar 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 1997 · Amount on Record |
| Deed Sale | Sep 5, 1997 · Amount on Record |
| Deed Book / Page | 11850 / 185 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 45 PROSPECT ST, SMITHTOWN, NY 11787-2716 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0230340004 |
|---|---|
| Date | Jun 12, 2019 |
| Book Page | 23034/4 |
| Instrument | DK007980 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jul 1, 2048 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 45 PROSPECT ST, SMITHTOWN, NY 11787-2716 |
| Document Number | 0230340005 |
| Instrument Date | Apr 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45 PROSPECT ST SMITHTOWN NY 117872716, SMITHTOWN, NY 11787-2716 |
| Document Number | 0230340005 |
|---|---|
| Date | Jun 12, 2019 |
| Book Page | 023034/000005 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | 175 PINELAWN RD, MELVILLE, NY 11747-3180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 11, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 45 PROSPECT ST, SMITHTOWN, NY 11787-2716 |
| Document Number | 0228060109 |
| Book / Page | 022806 / 000109 |
| Instrument Date | Mar 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Title Company | ALL WAY ABSTRACT LLC, ALL WAY ABS LLC |
| Name | Verified Name |
|---|---|
| Address | 45 PROSPECT ST SMITHTOWN NY 117872716, SMITHTOWN, NY 11787-2716 |
| Document Number | 0228060109 |
|---|---|
| Date | Apr 6, 2017 |
| Book Page | 022806/000109 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 5, 2037 |
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 | Smithtown Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,500 (-) Land $530 Building $6,970 | $937,500 (+10,775.87%) Land $66,250 Building $871,250 | |
| 2024 | $19,256.00 | ||
| 2023 | $7,500 Land $530 Building $6,970 | $8,620 Land $609 Building $8,011 |
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 | 4 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 181 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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