48 Rose St, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 48 Rose St, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,964 sqft · built 1966
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$561,250 (Aug 2005)
Tax Bill	$16,412 (2024)
Deeds & Mortgages	Feb 2022 Refinance Jan 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473489 35.-2-12`

Property Details

APN / Parcel Number

Primary APN	`473489 35.-2-12`
Alternative APNs	`0800-035.00-02.00-012.000` `348903500000020120000000` `4734009938` `S60121`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,964 sqft Living Area
Gross Area	2,500 sqft
1st Floor Area	1,964 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	21,780 sqft (0.5 acres)
View / Lot	Suburban
Garage Type	Attached
Garage Area	536 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	S60121
Street Address	48 ROSE ST
City	SMITHTOWN
State	NY
Zip	11787-1053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20-819126 TC-70 *4086 LOT 22 SEC 1 MAP OF SUTTON ESTS AT SM
Legal Subdivision	SUTTON ESTATES
Legal Block	2
Legal Lot Number	12
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1018
Census Tract	134902

Owner

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	48 ROSE ST, SMITHTOWN, NY 11787-1053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Jan 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Jun 14, 2017	Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2005 · Amount on Record
Deed Sale	Aug 5, 2005 · Amount on Record
Prior Sale	Sep 14, 2000 · Amount on Record
Deed Book / Page	12402 / 242
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	48 ROSE ST, SMITHTOWN, NY 11787-1053
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233750761
Date	Feb 1, 2022
Book Page	23375/761
Instrument	DM062704

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Mar 1, 2036

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	48 ROSE ST, SMITHTOWN, NY 11787-1053
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0229990602
Date	Jan 28, 2019
Book Page	22999/602

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Feb 1, 2033

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	48 ROSE ST, SMITHTOWN, NY 11787-1053
Document Number	0228310532
Book / Page	022831 / 000532
Instrument Date	Jun 14, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	48 ROSE ST SMITHTOWN NY 117871053, SMITHTOWN, NY 11787-1053

Mortgage

Document Number	0228310532
Date	Jul 3, 2017
Book Page	022831/000532

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Jul 2, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%

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
Unified School District	Smithtown Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$6,642 (-) Land $500 Building $6,142	$830,250 (+10,774.26%) Land $62,500 Building $767,750
2024	$16,412.00
2023		$6,642 Land $500 Building $6,142	$7,635 Land $575 Building $7,060

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1978–2021)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SMITHTOWN WATER DISTRICT serves 19,635 people · EPA ID NY5105656
Water Source	Purchased groundwater from SUFFOLK COUNTY WATER AUTHORITY
Last State Inspection	Dec 2025
Lead	1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 330 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.

Nearby Properties on Rose St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures