6 Lower Rd, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 6 Lower Rd, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,650 sqft · built 1978
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$645,000 (Jun 2022)
Tax Bill	$15,263 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2022 Sale & Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`473489 50.-3-32`

Property Details

APN / Parcel Number

Primary APN	`473489 50.-3-32`
Alternative APNs	`0800-050.00-03.00-032.000` `348905000000030320000000` `47340012703` `S80174`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,650 sqft Living Area
1st Floor Area	1,519 sqft
2nd Floor Area	1,131 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	21,780 sqft (0.5 acres)
View / Lot	Suburban

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	S80174
Street Address	6 LOWER RD
City	SMITHTOWN
State	NY
Zip	11787-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-612626 TC-66 *2976 LOT 165 RIVIERA RIDGE SEC 3
Legal Subdivision	MAP RIVIERA RIDGE SECTION 3
Legal Block	3
Legal Lot Number	32
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	3
Census Block	3004
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	6 LOWER RD, SMITHTOWN, NY 11787-1524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Balloon Mortgage FOURLEAF FCU
Jun 17, 2022	Deed, Transfer · Stand-Alone Refinance BETHPAGE FCU
Dec 7, 2020	Deed, Transfer · Commercial Mortgage LOAN FUNDER LLC
Nov 16, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2022 · Amount on Record
Deed Sale	Jun 17, 2022 · Amount on Record
Prior Sale	Dec 7, 2020 · Amount on Record
Deed Book / Page	13161 / 205
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	6 LOWER RD, SMITHTOWN, NY 11787-1524
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0236950030
Date	Nov 13, 2025
Book Page	23695/30

Lender

Name	FOURLEAF FCU

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Dec 1, 2054

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jun 17, 2022
Property Address	6 LOWER RD, SMITHTOWN, NY 11787-1524
Document Number	0131610205
Book / Page	13161 / 205
Instrument Date	May 9, 2022
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 W SEAMAN AVE, FREEPORT, NY 11520-1320

Mortgage

Document Number	0234290761
Date	Jun 17, 2022
Book Page	23429/761

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jul 1, 2051

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Dec 7, 2020
Property Address	6 LOWER RD, SMITHTOWN, NY 11787-1524
Document Number	0130810173
Book / Page	13081 / 173
Instrument Date	Nov 2, 2020
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	342 PENNSYLVANIA AVE, BAY SHORE, NY 11706-3323

Mortgage

Document Number	DL039923
Date	Dec 7, 2020
Instrument	DL039923

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Nov 16, 2020
Property Address	6 LOWER RD, SMITHTOWN, NY 11787-1524
Document Number	0130780281
Book / Page	013078 / 000281
Instrument Date	Sep 29, 2020
Transaction Type	Transfer
Record Updated	Jan 18, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,240.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	82 GARDEN ST GARDEN CITY NY 115306507, GARDEN CITY, NY 11530-6507

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		$5,612 (-4.88%) Land $425 Building $5,187	$701,500 (+10,243.56%) Land $53,125 Building $648,375
2024	$15,263.00
2023		$5,900 (-) Land $425 Building $5,475	$6,782 (+12.64%) Land $489 Building $6,293
2022		$5,900 Land $425 Building $5,475	$6,021 Land $434 Building $5,587

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	4 in force
Nearby Flood Claims	1 (1991)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 1991 · Hurricane Bob

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 94% of the US · lower than 93% 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 353 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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