61 Ridge Rd, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 61 Ridge Rd, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Tax Bill	$13,747 (2024)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`473489 71.-1-30`

Property Details

APN / Parcel Number

Primary APN	`473489 71.-1-30`
Alternative APNs	`0800-071.00-01.00-030.000` `348907100000010300000000` `47340017592` `S130015`

Exterior

Lot Area	15,682 sqft (0.36 acres)

Location & Zoning

Account Number	S130015
Street Address	61 RIDGE RD
City	SMITHTOWN
State	NY
Zip	11787-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10-388076 TC-69 *3743 LOT 15 HOUSE BEAUTIFUL SMTOWN SE
Legal Block	1
Legal Lot Number	30
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2001
Census Tract	135104

Owner

61 Ridge Rd is owned and occupied by two individuals.

Source: Suffolk County and Smithtown Town records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	61 RIDGE RD, SMITHTOWN, NY 11787-2505
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Dec 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jul 6, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU
Jun 4, 2018	Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage BETHPAGE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Recording Date	Jun 1, 2026
Property Address	61 RIDGE RD, SMITHTOWN, NY 11787-2505
Document Number	2373000240
Book / Page	23730 / 240
Instrument Date	Feb 26, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 RIDGE RD, SMITHTOWN, NY 11787-2505

Mortgage

Document Number	2373000240,
Date	Jun 1, 2026
Book Page	23730/240

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.1%
Initial Type	Adjustable Rate
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	61 RIDGE RD, SMITHTOWN, NY 11787-2505
Transaction Type	Mortgage
Record Updated	Jan 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233580497
Date	Dec 17, 2021
Book Page	23358/497
Instrument	DM053290

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	61 RIDGE RD, SMITHTOWN, NY 11787-2505
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND BOUND SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0229400706
Date	Jul 6, 2018
Book Page	22940/706
Instrument	18-0124134

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Aug 1, 2047

June 2018: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	61 RIDGE RD, SMITHTOWN, NY 11787-2505
Document Number	0229400707
Instrument Date	Jun 4, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 RIDGE RD SMITHTOWN NY 117872505, SMITHTOWN, NY 11787-2505

Mortgage

Document Number	0229400707
Date	Jul 6, 2018
Book Page	022940/000707

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	971 CORPORATE BLVD, LINTHICUM, MD 21090-2342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2048

Interest

Rate Type	Fixed Rate
Rate	4.25%

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		$5,670 Land $375 Building $5,295	$708,750 Land $46,875 Building $661,875
2024	$13,747.00
2023		$5,670 Land $375 Building $5,295	$6,517 Land $431 Building $6,086

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 61 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 5 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	2 in force
Nearby Flood Claims	5 (1979–1980)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Apr 1980 · rainfall accumulation

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

Wildfire risk around 61 Ridge Rd 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.

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 354 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

Cell Coverage

5G (outdoors only) and 4G LTE

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