Suffolk County and Smithtown Town property record for 102 Caramel Rd, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,339 sqft · built 1963 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $580,000 (Jul 2016) |
| Tax Bill | $21,434 (2024) |
| Deeds & Mortgages | Mar 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 41.-4-57 |
| Primary APN | 473489 41.-4-57 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,339 sqft Living Area |
| Gross Area | 3,227 sqft |
| 1st Floor Area | 999 sqft |
| 2nd Floor Area | 1,340 sqft |
| Basement Area | 396 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Split Level |
| Exterior Material | Composition/Composite |
| Lot Area | 21,780 sqft (0.5 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 492 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 102 CARAMEL RD |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-1010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-195751 TC-52 *3601 SEC 2 LOT 39 BRIAN HOMES AT COMMACK |
| Legal Subdivision | BRIAN HOMES/COMMACK |
| Legal Block | 4 |
| Legal Lot Number | 57 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 135101 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 102 CARAMEL RD, COMMACK, NY 11725-1010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2016 · Amount on Record |
| Deed Sale | Jul 22, 2016 · Amount on Record |
| Deed Book / Page | 12872 / 412 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 102 CARAMEL RD, COMMACK, NY 11725-1010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0234880705 |
|---|---|
| Date | Mar 6, 2023 |
| Book Page | 23488/705 |
| Name | HANOVER COMMUNITY BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Oct 1, 2027 |
| Index | Other |
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 | $8,155 (-) Land $500 Building $7,655 | $1,019,375 (+10,774.49%) Land $62,500 Building $956,875 | |
| 2024 | $21,434.00 | ||
| 2023 | $8,155 Land $500 Building $7,655 | $9,374 Land $575 Building $8,799 |
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 | 3 in force |
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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
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 188 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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