Suffolk County and Smithtown Town property record for 5 Cedarfield Ter, Saint James, NY 11780
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,640 sqft · built 1987 |
| Lot Size | 1 acre (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $640,000 (Sep 2015) |
| Tax Bill | $31,763 (2024) |
| Deeds & Mortgages | Jan 2021 Refinance Apr 2018 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 40.-1-7.28 |
| Primary APN | 473489 40.-1-7.28 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,640 sqft Living Area |
| Gross Area | 4,491 sqft |
| 1st Floor Area | 2,800 sqft |
| 2nd Floor Area | 840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 43,560 sqft |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 561 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Screened Porch |
| Porch Area | 810 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | J12246 |
|---|---|
| Street Address | 5 CEDARFIELD TER |
| City | SAINT JAMES |
| State | NY |
| Zip | 11780-1522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1-50326.28 TC-49 BERRY HILL SEC 2 LOT 28 |
| Legal Subdivision | BERRY HILLS |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 135005 |
5 Cedarfield Ter is owned and occupied by two individuals who bought it in September 2015.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 CEDARFIELD TER, SAINT JAMES, NY 11780-1522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 7, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED MORTGAGE CORP |
| Apr 24, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance LAKEVIEW MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 14, 2015 · Amount on File |
| Deed Sale | Sep 14, 2015 · Amount on File |
| Prior Sale | Feb 21, 2014 · Amount on File |
| Deed Book / Page | D00012832 / 134 |
| Prior Transfer Date | Apr 24, 2013 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 5 CEDARFIELD TER, SAINT JAMES, NY 11780-1522 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0232160575 |
|---|---|
| Date | Jan 7, 2021 |
| Book Page | 23216/575 |
| Instrument | DL046009 |
| Name | UNITED MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 5 CEDARFIELD TER, SAINT JAMES, NY 11780-1522 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0229190750 |
|---|---|
| Date | Apr 24, 2018 |
| Book Page | 22919/750 |
| Instrument | 18-0074499 |
| Name | LAKEVIEW MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | May 1, 2047 |
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 | $12,268 Land $1,000 Building $11,268 | $1,533,500 Land $125,000 Building $1,408,500 | |
| 2024 | $31,763.00 | ||
| 2023 | $12,268 (+2%) Land $1,000 Building $11,268 | $14,101 (+35.18%) Land $1,149 Building $12,952 | |
| 2022 | $10,223 Land $1,000 Building $9,223 | $10,431 Land $1,020 Building $9,411 |
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 5 Cedarfield Ter in Zone X, an area of minimal flood risk, though there have been 2 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 | 5 in force |
| Nearby Flood Claims | 2 (1979–2021) |
| Claims Outside the SFHA | 2 of 2 |
| 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 risk around 5 Cedarfield Ter is low, with a 0.02% 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 | 0.02% 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 | ST JAMES WATER DISTRICT serves 10,587 people · EPA ID NY5103266 |
|---|---|
| Water Source | Purchased groundwater from SUFFOLK COUNTY WATER AUTHORITY |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 980 / 880 |
| Optimum Cable | 940 / 35 |
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