Suffolk County and Smithtown Town property record for 46 Howell Dr, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,437 sqft · built 1958 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $380,000 (Aug 2015) |
| Tax Bill | $12,718 (2024) |
| Deeds & Mortgages | Apr 2018 Refinance Apr 2020 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 82.-4-10 |
| Primary APN | 473489 82.-4-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,437 sqft Living Area |
| Gross Area | 1,668 sqft |
| 1st Floor Area | 1,437 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 11,761 sqft (0.27 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 512 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 46 HOWELL DR |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-2202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7-276751 TC-70 *2427 LOT 45 EAST HILLS EST SEC 1 |
| Legal Subdivision | MAP EAST HILL ESTATES SECTION #1 |
| Legal Block | 4 |
| Legal Lot Number | 10 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 135002 |
46 Howell Dr is owned and occupied by an individual who bought it in August 2015.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 46 HOWELL DR, SMITHTOWN, NY 11787-2202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance TEACHERS FCU |
| Apr 21, 2020 | Deed of Trust, Mortgage · Construction Mortgage TEACHERS FCU |
| Nov 20, 2019 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage TEACHERS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 6, 2015 · Amount on File |
| Deed Sale | Aug 6, 2015 · Amount on File |
| Deed Book / Page | 12826 / 905 |
| Prior Transfer Date | Sep 5, 2014 |
| Prior Transfer Doc | D000127870806 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 HOWELL DR, SMITHTOWN, NY 11787-2202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0229180728 |
|---|---|
| Date | Apr 19, 2018 |
| Book Page | 22918/728 |
| Instrument | 18-0071703 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | May 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 HOWELL DR, SMITHTOWN, NY 11787-2202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231270665 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 23127/665 |
| Instrument | DL002858 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 169 Months |
| Due | May 1, 2034 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 HOWELL DR, SMITHTOWN, NY 11787-2202 |
| Document Number | 0231270666 |
| Instrument Date | Nov 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 46 HOWELL DR SMITHTOWN NY 117872202, SMITHTOWN, NY 11787-2202 |
| Document Number | 0231270666 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 023127/000666 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | HAUPPAUGE, NY 11788 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 20, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
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 $305 Building $4,575 | $610,000 Land $38,125 Building $571,875 | |
| 2024 | $12,718.00 | ||
| 2023 | $4,880 Land $305 Building $4,575 | $5,610 Land $351 Building $5,259 |
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 Howell Dr in Zone X, an area of minimal flood risk, though there have been 4 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 | 3 in force |
| Nearby Flood Claims | 4 (1979–1981) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Feb 1981 · tidal / storm surge |
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 Howell Dr 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 | 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 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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