8 Saddle Ln, Saint James, NY 11780 Property Records

Suffolk County and Smithtown Town property record for 8 Saddle Ln, Saint James, NY 11780

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,850 sqft · built 1990
Lot Size	2.55 acres (111,078 sqft)
Owner	Individual Name on File
Last Sale	$1,390,000 (Nov 2003)
Tax Bill	$23,321 (2024)
Deeds & Mortgages	May 2018 Refinance Mar 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`473403 3.-4-4.8`

Property Details

APN / Parcel Number

Primary APN	`473403 3.-4-4.8`
Alternative APNs	`0802-003.00-04.00-004.008` `340300300000040040080000` `473400794`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,850 sqft Living Area
Gross Area	5,035 sqft
1st Floor Area	2,950 sqft
2nd Floor Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	111,078 sqft
View / Lot	Suburban
Garage Type	Attached
Garage Area	1,185 sqft
Parking Spaces	4 Parking Spaces
Pool Area	1,024 sqft
Porch	Open Porch
Porch Area	2,400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8 SADDLE LN
City	SAINT JAMES
State	NY
Zip	11780-3502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-37026.8 TC-75 THE PADDOCKS LOT 8 *7757
Legal Subdivision	MAP PADDOCKS
Legal Block	4
Legal Lot Number	4
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1005
Census Tract	135004

Owner

8 Saddle Ln is owned and occupied by an individual who bought it in November 2003.

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

Owner of Record	Individual Name on File
Mailing Address	8 SADDLE LN, SAINT JAMES, NY 11780-3502
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
May 17, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance CITIBANK NA
Mar 26, 2018	Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage CITIBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2003 · Amount on File
Deed Sale	Nov 24, 2003 · Amount on File
Deed Book / Page	12285 / 650
Prior Transfer Date	Sep 8, 1997
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	8 SADDLE LN, SAINT JAMES, NY 11780-3502
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FREEDOM ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0229270313
Date	May 17, 2018
Book Page	22927/313
Instrument	18-0091777

Lender

Name	CITIBANK NA
Type	Bank

Agreement

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

March 2018: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	8 SADDLE LN, SAINT JAMES, NY 11780-3502
Document Number	0229270314
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8 SADDLE LN ST JAMES NY 117803502, ST JAMES, NY 11780-3502

Mortgage

Document Number	0229270314
Date	May 17, 2018
Book Page	022927/000314

Lender

Name	CITIBANK
Type	Bank
Address	1000 TECHNOLOGY DR, O FALLON, MO 63368-2239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

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
Municipality	Nissequogue Village
Unified School District	Smithtown Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$9,604 Land $1,550 Building $8,054	$1,200,500 Land $193,750 Building $1,006,750
2024	$23,321.00
2023		$11,155 Land $1,550 Building $9,605	$12,822 Land $1,782 Building $11,040

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 8 Saddle Ln in Zone X, an area of minimal flood risk, though there have been 49 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 37 policies
Nearby Flood Policies	37 in force
Nearby Flood Claims	49 (1978–2024)
Claims Outside the SFHA	17 of 49
Most Recent Claim	Aug 2024 · Severe Storm And Flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 15 claims Hurricane Irene, Aug 2011 · 3 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 9 claims

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 8 Saddle Ln 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Optimum Cable · Fiber in parts of the area	940 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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