10 Harvard Ln, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 10 Harvard Ln, Commack, NY 11725 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,254 sqft · built 1959
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$648,500 (Jun 2022)
Tax Bill	$13,135 (2024)
Deeds & Mortgages	Jun 2022 Sale & Refinance Feb 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`473489 92.-4-37`

Property Details

APN / Parcel Number

Primary APN	`473489 92.-4-37`
Alternative APNs	`0800-092.00-04.00-037.000` `348909200000040370000000` `47340022354`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,254 sqft Living Area
Gross Area	1,397 sqft
1st Floor Area	1,254 sqft
Basement Area	1,166 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	12,632 sqft (0.29 acres)
View / Lot	Suburban
Porch	Enclosed Porch
Porch Area	143 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	10 HARVARD LN
City	COMMACK
State	NY
Zip	11725-2510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18-699862 TC-52 *2639 LOT 115 SMITHTOWN ESTS SEC 2
Legal Subdivision	MAP OF SMITHTOWN ESTATES
Legal Block	4
Legal Lot Number	37
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1005
Census Tract	135103

Owner

Source: Suffolk County and Smithtown Town records · APN 473489 92.-4-37

Assessment roll updated August 11, 2026 · Last verified August 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 File
Mailing Address	10 HARVARD LN, COMMACK, NY 11725-2510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed, Transfer · Stand-Alone Refinance EMBRACE HOME LOANS INC
Feb 03, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CONTOUR MORTGAGE CORP
Oct 16, 2018	Deed, Transfer
Jul 06, 2017	Trustee's Deed, Foreclosure CLOSING USA LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 15, 2022 · Amount on Record
Deed Sale	Jun 15, 2022 · Amount on Record
Prior Sale	Oct 16, 2018 · Amount on Record
Deed Book / Page	13160 / 509
Record Updated	Sep 20, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jun 15, 2022
Property Address	10 HARVARD LN, COMMACK, NY 11725-2510
Document Number	0131600509
Book / Page	13160 / 509
Instrument Date	Mar 31, 2022
Transaction Type	Transfer
Record Updated	Jun 09, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Et Ux (and Wife)
Address	72 BETHPAGE RD, HICKSVILLE, NY 11801-1505

Mortgage

Document Number	0234270922
Date	Jun 15, 2022
Book Page	23427/922

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jul 01, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	10 HARVARD LN, COMMACK, NY 11725-2510
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0231020466
Date	Feb 03, 2020
Book Page	23102/466
Instrument	DK038994

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2050

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Oct 16, 2018
Property Address	10 HARVARD LN, COMMACK, NY 11725-2510
Document Number	0129820959
Book / Page	12982 / 959
Instrument Date	Sep 24, 2018
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
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

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jul 06, 2017
Property Address	10 HARVARD LN, COMMACK, NY 11725-2510
Document Number	0129190387
Book / Page	012919 / 000387
Instrument Date	Jun 22, 2017
Transaction Type	Foreclosure
Record Updated	Oct 26, 2017
Title Company	CLOSING USA LLC

Transaction

Amount	Amount Recorded
Tax	$2,784.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	1900 MARKET ST PHILADELPHIA PA 191033527, PHILADELPHIA, PA 19103-3527
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Smithtown Town
Unified School District	Commack Union Free School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$4,745 (-) Land $315 Building $4,430	$593,125 (+10,775.05%) Land $39,375 Building $553,750
2024	$13,135.00
2023		$4,745 Land $315 Building $4,430	$5,454 Land $362 Building $5,092

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031351031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (1992)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1992, tidal / storm surge, Coastal Storm, High Tides, Heavy Rain, & Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 366 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Optimum Communications	Fiber	8,000 / 8,000
Verizon	Fiber	2,300 / 2,300
Optimum Communications	Cable	940 / 35
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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