Suffolk County and Smithtown Town property record for 10 Speaker St, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,100 sqft · built 1958 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $412,000 (Aug 2014) |
| Tax Bill | $10,625 (2024) |
| Deeds & Mortgages | Oct 2020 Refinance Aug 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 89.-1-20 |
| Primary APN | 473489 89.-1-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,100 sqft Living Area |
| Gross Area | 1,319 sqft |
| 1st Floor Area | 1,100 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 10,019 sqft (0.23 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 219 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 10 SPEAKER ST |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-179301 TC-52 *2419 SEC 2 LOT 137 BIRCHWOOD PARK AT COMMACK |
| Legal Subdivision | BIRCHWOOD PK |
| Legal Block | 1 |
| Legal Lot Number | 20 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 135101 |
Source: Suffolk County and Smithtown Town records · APN 473489 89.-1-20
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 | Individual Name on File |
|---|---|
| Mailing Address | 10 SPEAKER ST, COMMACK, NY 11725-2013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 05, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Aug 20, 2020 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 15, 2014 · Amount on Record |
| Deed Sale | Aug 15, 2014 · Amount on Record |
| Prior Sale | Apr 22, 2003 · Amount on Record |
| Deed Book / Page | 12785 / 79 |
| Last Transfer Date | Jan 18, 2016 |
| Transfer Doc | 0128500884 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 10 SPEAKER ST, COMMACK, NY 11725-2013 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231810270 |
|---|---|
| Date | Oct 05, 2020 |
| Book Page | 23181/270 |
| Instrument | DL029362 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2035 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 10 SPEAKER ST, COMMACK, NY 11725-2013 |
| Document Number | 0231960927 |
| Instrument Date | Aug 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 10 SPEAKER ST COMMACK NY 117252013, COMMACK, NY 11725-2013 |
| Document Number | 0231960927 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | 023196/000927 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 16, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Smithtown Town |
| Unified School District | Commack Union Free School District (PK - 12) |
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 | $4,470 (-) Land $300 Building $4,170 | $558,750 (+10,774.85%) Land $37,500 Building $521,250 | |
| 2024 | $10,625.00 | ||
| 2023 | $4,470 Land $300 Building $4,170 | $5,138 Land $345 Building $4,793 |
Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (1979–2023) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 2023 · rainfall accumulation |
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 140 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SUFFOLK COUNTY WATER AUTHORITY serves 1,100,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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