Suffolk County and Smithtown Town property record for 5 Lower Rd, Smithtown, NY 11787
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,098 (2024) |
| Deeds & Mortgages | May 2023 Sale Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 50.-3-40 |
| Primary APN | 473489 50.-3-40 |
|---|---|
| Alternative APNs |
|
| Lot Area | 25,700 sqft (0.59 acres) |
|---|
| Account Number | S80179 |
|---|---|
| Street Address | 5 LOWER RD |
| City | SMITHTOWN |
| State | NY |
| Zip | 11787-1523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 15-612351 TC-66 *2976 LOT 154 RIVIERA RIDGE SEC 3 |
| Legal Block | 3 |
| Legal Lot Number | 40 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 134902 |
Source: Suffolk County and Smithtown Town records · APN 473489 50.-3-40
Assessment roll updated August 11, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 5 LOWER RD, SMITHTOWN, NY 11787-1523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 04, 2023 | Deed, Transfer |
| Apr 21, 2017 | Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Feb 07, 2023 |
| Transfer Doc | 0132000303 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | May 04, 2023 |
| Property Address | 5 LOWER RD, SMITHTOWN, NY 11787-1523 |
| Document Number | 0132000303 |
| Book / Page | 13200 / 303 |
| Instrument Date | Feb 07, 2023 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5 LOWER RD, SMITHTOWN, NY 11787-1523 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 5 LOWER RD, SMITHTOWN, NY 11787-1523 |
| Document Number | 0228160598 |
| Book / Page | 022816 / 000598 |
| Instrument Date | Apr 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 08, 2017 |
| Name | Verified Name |
|---|---|
| Address | 5 LOWER RD SMITHTOWN NY 117871523, SMITHTOWN, NY 11787-1523 |
| Document Number | 0228160598 |
|---|---|
| Date | May 10, 2017 |
| Book Page | 022816/000598 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | May 09, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Smithtown Town |
| Unified School District | Smithtown Central School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,450 (-) Land $450 Building $4,000 | $556,250 (+10,774.88%) Land $56,250 Building $500,000 | |
| 2024 | $4,098.00 | ||
| 2023 | $4,450 (-) Land $450 Building $4,000 | $5,115 (+12.64%) Land $517 Building $4,598 | |
| 2022 | Homeowner's exemption Senior Citizen's exemption | $4,450 Land $450 Building $4,000 | $4,541 Land $459 Building $4,082 |
Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), as of September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031349023, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (1991) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 1991 · Hurricane Bob |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 263 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NY5105656, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SMITHTOWN WATER DISTRICT serves 19,635 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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