Suffolk County and Smithtown Town property record for 46 Cross St, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,370 sqft · built 1961 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $183,000 (Mar 2000) |
| Tax Bill | $11,776 (2024) |
| Deeds & Mortgages | Oct 2016 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 131.-4-7.1 |
| Primary APN | 473489 131.-4-7.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,370 sqft Living Area |
| Gross Area | 1,988 sqft |
| 1st Floor Area | 1,370 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 10,454 sqft (0.24 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 112 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 46 CROSS ST |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-4734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1-22151 TC-70 CROSS RD R C CHRCH H&H MAP 9 H&H MAP 9 |
| Legal Block | 4 |
| Legal Lot Number | 7 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 135303 |
46 Cross St is held in a trust since February 2025.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 46 CROSS ST, SMITHTOWN, NY 11787-4734 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2000 · Amount on File |
| Deed Sale | Mar 15, 2000 · Amount on File |
| Deed Book / Page | 12027 / 984 |
| Last Transfer Date | Feb 27, 2025 |
| Transfer Doc | 0132920180 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 CROSS ST, SMITHTOWN, NY 11787-4734 |
| Document Number | 0227790371 |
| Book / Page | 022779 / 000371 |
| Instrument Date | Oct 31, 2016 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2017 |
| Name | Verified Name |
|---|---|
| Address | 46 CROSS ST SMITHTOWN NY 117874734, SMITHTOWN, NY 11787-4734 |
| Document Number | 0227790371 |
|---|---|
| Date | Jan 18, 2017 |
| Book Page | 022779/000371 |
| Name | SUFFOLK FCU |
|---|---|
| Type | Credit Union |
| Address | MEDFORD, NY 11763 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 17, 2027 |
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 | $4,880 Land $320 Building $4,560 | $610,000 Land $40,000 Building $570,000 | |
| 2024 | $11,776.00 | ||
| 2023 | $4,880 Land $320 Building $4,560 | $5,609 Land $368 Building $5,241 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 46 Cross St in Zone X, an area of minimal flood risk, though there have been 45 flood claims nearby since 1979.
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 | 1 in force |
| Nearby Flood Claims | 45 (1979–2016) |
| Claims Outside the SFHA | 39 of 45 |
| Most Recent Claim | Aug 2016 · other causes |
| Claims by Event |
|
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 46 Cross St is low, with a 0.01% 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 | 0.01% 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 366 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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