Suffolk County and Huntington Town property record for 78 Prospect St, Smithtown, NY 11787
| Property Type | Apartments (5+ Units) |
|---|---|
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $622,000 (Jun 2024) |
| Tax Bill | $22,508 (2024) |
| Deeds & Mortgages | Jun 2024 Sale & Mortgage Jul 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 0400-069.00-04.00-054.000 |
| Primary APN | 0400-069.00-04.00-054.000 |
|---|---|
| Alternative APNs |
|
| Units | 12 Units |
|---|
| Lot Area | 12,197 sqft (0.28 acres) |
|---|
| Street Address | 78 PROSPECT ST |
|---|---|
| City | SMITHTOWN |
| State | NY |
| Zip | 11787 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Description | BLK LOT |
| Legal Subdivision | DESCRIBED |
| Legal Block | 400 |
| Legal Lot Number | 54 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | HUNTINGTON |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 110901 |
78 Prospect St, a residential property, is owned by an individual who bought it in June 2024.
Source: Suffolk County and Huntington Town records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 78 PROSPECT ST, 2S, HUNTINGTON, NY 11743-3321 |
| 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 |
|---|---|
| Jun 27, 2024 | Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 31, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance ARBOR AGENCY LENDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2024 · Amount on File |
| Deed Sale | Jun 27, 2024 · Amount on File |
| Prior Sale | Jun 20, 2014 · Amount on File |
| Deed Book / Page | 13253 / 838 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jun 27, 2024 |
| Property Address | 78 PROSPECT ST, HUNTINGTON, NY 11743-3321 |
| Document Number | 0132530838 |
| Book / Page | 13253 / 838 |
| Instrument Date | Mar 21, 2022 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 PROSPECT ST APT 2S, 2S, HUNTINGTON, NY 11743-3321 |
| Document Number | 0023594529 |
|---|---|
| Date | Jun 27, 2024 |
| Instrument | 23594/529 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 78 PROSPECT ST, HUNTINGTON, NY 11743-3321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0230470159 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 23047/159 |
| Instrument | DK014476 |
| Name | ARBOR AGENCY LENDING |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Aug 1, 2038 |
Source: Suffolk County and Huntington Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Huntington Town |
| Unified School District | Huntington Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,100 Land $1,200 Building $3,900 | $1,133,334 (+10,789.07%) Land $266,667 Building $866,667 | |
| 2024 | $22,508.00 | $10,408 (+12.24%) Land $2,449 Building $7,959 | |
| 2023 | $5,100 Land $1,200 Building $3,900 | $9,273 Land $2,182 Building $7,091 |
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 78 Prospect St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
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 | 3 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| 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 78 Prospect St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | SUFFOLK COUNTY WATER AUTHORITY serves 1,100,000 people · EPA ID NY5110526 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
| Water Quality | Asbestos resolved · Jul 2020 |
|---|---|
| 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 483 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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