95 Ridge Rd, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 95 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	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Tax Bill	$12,668 (2024)
Deeds & Mortgages	Mar 2022 Line of Credit Jun 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473489 71.-1-5`

Property Details

APN / Parcel Number

Primary APN	`473489 71.-1-5`
Alternative APNs	`0800-071.00-01.00-005.000` `348907100000010050000000` `47340017567` `S130001`

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	2,342 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	12,632 sqft (0.29 acres)
View / Lot	Suburban
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	S130001
Street Address	95 RIDGE RD
City	SMITHTOWN
State	NY
Zip	11787-2513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10-387726 TC-69 *3743 LOT 1 HOUSE BEAUTIFUL SMTOWN SE
Legal Subdivision	HOUSE BEAUTIFUL/SMITHTOWN
Legal Block	1
Legal Lot Number	5
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2005
Census Tract	135104

Owner

95 Ridge Rd is owned and occupied by two individuals who acquired it in September 1994.

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

Owner of Record	2 Individual Names on File
Mailing Address	95 RIDGE RD, SMITHTOWN, NY 11787-2513
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
Mar 3, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 28, 2018	Quit Claim Deed, Transfer Quitclaim
Dec 5, 2016	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 28, 1994
Transfer Doc	1170000369
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	95 RIDGE RD, SMITHTOWN, NY 11787-2513
Transaction Type	Mortgage
Record Updated	May 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233880153
Date	Mar 3, 2022
Book Page	23388/153
Instrument	DM068866

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jun 28, 2018
Property Address	95 RIDGE RD, SMITHTOWN, NY 11787-2513
Document Number	0129670338
Book / Page	012967 / 000338
Instrument Date	May 31, 2018
Transaction Type	Transfer
Record Updated	Aug 20, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	95 RIDGE RD SMITHTOWN NY 117872513, SMITHTOWN, NY 11787-2513

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	95 RIDGE RD, SMITHTOWN, NY 11787-2513
Document Number	0227860946
Book / Page	022786 / 000946
Instrument Date	Dec 5, 2016
Transaction Type	Mortgage
Record Updated	Jun 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 RIDGE RD SMITHTOWN NY 117872513, SMITHTOWN, NY 11787-2513

Mortgage

Document Number	0227860946
Date	Feb 6, 2017
Book Page	022786/000946

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2047

Interest

Rate Type	Adjustable Rate

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		$4,860 Land $300 Building $4,560	$607,500 Land $37,500 Building $570,000
2024	$12,668.00
2023		$4,860 Land $300 Building $4,560	$5,586 Land $345 Building $5,241

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

Flood

FEMA maps place 95 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 95 Ridge Rd 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.

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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