72 Ridge Rd, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 72 Ridge Rd, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,924 sqft · built 1964
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$493,000 (Jul 2014)
Tax Bill	$14,554 (2024)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`473489 71.-1-67`

Property Details

APN / Parcel Number

Primary APN	`473489 71.-1-67`
Alternative APNs	`0800-071.00-01.00-067.000` `348907100000010670000000` `47340017629` `S130025`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,924 sqft Living Area
Gross Area	2,522 sqft
1st Floor Area	828 sqft
2nd Floor Area	1,096 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
View / Lot	Suburban
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	S130025
Street Address	72 RIDGE RD
City	SMITHTOWN
State	NY
Zip	11787-2506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10-388326 TC-69 *3743 LOT 25 HOUSE BEAUTIFUL SMTOWN SE
Legal Subdivision	MAP OF HOUSEBUA
Legal Block	1
Legal Lot Number	67
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2004
Census Tract	135104

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	72 RIDGE RD, SMITHTOWN, NY 11787-2506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU
Apr 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU
Sep 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JOVIA FINANCIAL CREDIT UNION
Mar 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage NASSAU EDUCATORS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2014 · Amount on Record
Deed Sale	Jul 30, 2014 · Amount on Record
Deed Book / Page	12782 / 871
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	72 RIDGE RD, SMITHTOWN, NY 11787-2506
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234120196
Date	Apr 29, 2022
Book Page	23412/196

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	72 RIDGE RD, SMITHTOWN, NY 11787-2506
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234120196
Date	Apr 27, 2022
Book Page	23412/196
Instrument	DN006023

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	72 RIDGE RD, SMITHTOWN, NY 11787-2506
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0231740306
Date	Sep 18, 2020
Book Page	23174/306
Instrument	DL026360

Lender

Name	JOVIA FINANCIAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2040

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	72 RIDGE RD, SMITHTOWN, NY 11787-2506
Document Number	0228060169
Book / Page	022806 / 000169
Instrument Date	Mar 25, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	72 RIDGE RD SMITHTOWN NY 117872506, SMITHTOWN, NY 11787-2506

Mortgage

Document Number	0228060169
Date	Apr 7, 2017
Book Page	022806/000169

Lender

Name	NASSAU EDUCATORS FCU
Type	Credit Union
Address	WESTBURY, NY 11590

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 6, 2027

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		$6,085 (-) Land $300 Building $5,785	$760,625 (+10,775.39%) Land $37,500 Building $723,125
2024	$14,554.00
2023		$6,085 Land $300 Building $5,785	$6,994 Land $345 Building $6,649

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	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

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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