91 Harbor Rd, Saint James, NY 11780 Property Records

Suffolk County and Smithtown Town property record for 91 Harbor Rd, Saint James, NY 11780

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,210 sqft · built 1993
Lot Size	2.6 acres (113,256 sqft)
Owner	Individual Name on Record
Last Sale	$1,100,000 (Jan 2024)
Tax Bill	$26,636 (2024)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Oct 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473401 2.-1-14`

Property Details

APN / Parcel Number

Primary APN	`473401 2.-1-14`
Alternative APNs	`0801-002.00-01.00-014.000` `340100200000010140000000` `47340087`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,210 sqft Living Area
Gross Area	4,135 sqft
1st Floor Area	3,210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	113,256 sqft
View / Lot	Suburban
Garage Type	Attached
Garage Area	925 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	91 HARBOR RD
City	SAINT JAMES
State	NY
Zip	11780-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-43553 TC-73 NAUGHTON LAPHMAN STONY BROOK RD PIPER
Legal Block	1
Legal Lot Number	14
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2018
Census Tract	135004

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	Individual Name on Record
Mailing Address	48 COLBY DR, DIX HILLS, NY 11746-8348
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Oct 21, 2022	Warranty Deed, Transfer
Nov 8, 2021	Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2024 · Amount on Record
Deed Sale	Jan 11, 2024 · Amount on Record
Prior Sale	Nov 8, 2021 · Amount on Record
Deed Book / Page	13232 / 407
Prior Transfer Date	Jul 6, 2022
Record Updated	Sep 20, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jan 11, 2024
Property Address	91 HARBOR RD, SAINT JAMES, NY 11780-1004
Document Number	0132320407
Book / Page	13232 / 407
Instrument Date	Nov 21, 2023
Transaction Type	Transfer
Record Updated	Mar 26, 2024

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	48 COLBY DR, DIX HILLS, NY 11746-8348

Mortgage

Document Number	0023560428
Date	Jan 11, 2024
Instrument	23560/428

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK NY
Recording Date	Oct 21, 2022
Property Address	91 HARBOR RD, SAINT JAMES, NY 11780-1004
Document Number	0131740493
Book / Page	13174 / 493
Instrument Date	Jul 6, 2022
Transaction Type	Transfer
Record Updated	Dec 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	91 HARBOR RD, SAINT JAMES, NY 11780-1004

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Nov 8, 2021
Property Address	91 HARBOR RD, SAINT JAMES, NY 11780-1004
Document Number	0131280385
Book / Page	13128 / 385
Instrument Date	Apr 27, 2021
Transaction Type	Transfer
Record Updated	Dec 21, 2021

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

Mortgage

Document Number	00DM045374
Date	Nov 8, 2021
Instrument	DM045374

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	Head Of The Harbor Village
Unified School District	Smithtown Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$9,570 (-12.4%) Land $1,275 Building $8,295	$1,196,250 (+9,425.8%) Land $159,375 Building $1,036,875
2024	$26,636.00
2023		$10,925 (-) Land $1,275 Building $9,650	$12,558 (+12.65%) Land $1,466 Building $11,092
2022		$10,925 Land $1,275 Building $9,650	$11,148 Land $1,301 Building $9,847

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	7 in force
Nearby Flood Claims	3 (2012–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Aug 2024 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Aug 2024 · 2 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

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	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 58 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

4G LTE only, no 5G reported

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