Suffolk County and Smithtown Town property record for 10 Otsego Pl, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,416 sqft · built 1958 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $338,000 (Apr 2016) |
| Tax Bill | $12,166 (2024) |
| Deeds & Mortgages | Feb 2026 Mortgage Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 145.-1-31 |
| Primary APN | 473489 145.-1-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,416 sqft Living Area |
| Gross Area | 1,660 sqft |
| 1st Floor Area | 966 sqft |
| Upper Floors Area | 450 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Lot Area | 10,890 sqft (0.25 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 244 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 10 OTSEGO PL |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-5006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-174176 TC-52 41800 BIRCHWOOD GARDENS |
| Legal Subdivision | BIRCHWOOD GDNS |
| Legal Block | 1 |
| Legal Lot Number | 31 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 135205 |
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 | 10 OTSEGO PL, COMMACK, NY 11725-5006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 18, 2026 | Deed of Trust, Mortgage JPMORGAN CHASE BANK NA |
| Jul 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CATHAY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2016 · Amount on Record |
| Deed Sale | Apr 28, 2016 · Amount on Record |
| Prior Sale | Mar 17, 2010 |
| Deed Book / Page | 12862 / 285 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 10 OTSEGO PL, COMMACK, NY 11725-5006 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Title Company | SECURITY TITLE ABL, SECURITY TITLE GUAR BLTMR |
| Name | Verified Name |
|---|
| Document Number | 0237120606 |
|---|---|
| Date | Feb 18, 2026 |
| Book Page | 23712/606 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 10 OTSEGO PL, COMMACK, NY 11725-5006 |
| Document Number | 0228410123 |
| Book / Page | 022841 / 000123 |
| Instrument Date | Jul 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2017 |
| Title Company | FEDERAL STANDARD ABSTRACT INC |
| Name | Verified Name |
|---|---|
| Address | 10 OTSEGO PL COMMACK NY 117255006, COMMACK, NY 11725-5006 |
| Document Number | 0228410123 |
|---|---|
| Date | Aug 8, 2017 |
| Book Page | 022841/000123 |
| Name | CATHAY BK |
|---|---|
| Type | Bank |
| Address | EL MONTE, CA 91731 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 7, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Smithtown Town |
| Unified School District | Commack Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,380 (-) Land $300 Building $4,080 | $547,500 (+10,773.88%) Land $37,500 Building $510,000 | |
| 2024 | $12,166.00 | ||
| 2023 | $4,380 Land $300 Building $4,080 | $5,035 Land $345 Building $4,690 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 1 in force |
| Nearby Flood Claims | 4 (1980–1985) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Aug 1985 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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