Suffolk County and Huntington Town property record for 11 Bernard Ln, Commack, NY 11725 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $11,477 (2024) |
| Deeds & Mortgages | Apr 2018 Refinance Feb 2018 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0400-225.00-01.00-083.000 |
| Primary APN | 0400-225.00-01.00-083.000 |
|---|---|
| Alternative APNs |
|
| Lot Area | 16,117 sqft (0.37 acres) |
|---|
| Street Address | 11 BERNARD LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-3903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLK LOT 108 |
| Legal Subdivision | CAMEO PARK |
| Legal Block | 100 |
| Legal Lot Number | 83 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | HUNTINGTON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 112103 |
Source: Suffolk County and Huntington Town records · APN 0400-225.00-01.00-083.000
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 | 11 BERNARD LN, COMMACK, NY 11725-3903 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA |
| Feb 16, 2018 | Loan Modification, Consolidation and Extension, Mortgage · Line of Credit TD BK NA |
| Jul 28, 2017 | Deed of Trust, Mortgage · Line of Credit TD BK NA |
| Jul 28, 2017 | Loan Modification, Consolidation and Extension, Mortgage · Line of Credit TD BK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 11 BERNARD LN, COMMACK, NY 11725-3903 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | FIDELITY NATIONAL |
| Name | Verified Name |
|---|
| Document Number | 0229170073 |
|---|---|
| Date | Apr 12, 2018 |
| Book Page | 22917/73 |
| Instrument | 18-0067379 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | May 01, 2032 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 11 BERNARD LN, COMMACK, NY 11725-3903 |
| Document Number | 0229170074 |
| Instrument Date | Feb 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 11 BERNARD LN COMMACK NY 117253903, COMMACK, NY 11725-3903 |
| Document Number | 0229170074 |
|---|---|
| Date | Apr 12, 2018 |
| Book Page | 022917/000074 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | 140 MILL ST, LEWISTON, ME 04240-7774 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 11 BERNARD LN, COMMACK, NY 11725-3903 |
| Document Number | 0228580728 |
| Instrument Date | Jul 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 08, 2017 |
| Title Company | ISGN FULFILLMENT SERVICES INC, ISGN FULFILLMENT SVC INC |
| Name | Verified Name |
|---|---|
| Address | 11 BERNARD LN COMMACK NY 117253903, COMMACK, NY 11725-3903 |
| Document Number | 0228580728 |
|---|---|
| Date | Sep 23, 2017 |
| Book Page | 022858/000728 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 22, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 11 BERNARD LN, COMMACK, NY 11725-3903 |
| Document Number | 0228580729 |
| Instrument Date | Jul 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 11 BERNARD LN COMMACK NY 117253903, COMMACK, NY 11725-3903 |
| Document Number | 0228580729 |
|---|---|
| Date | Sep 23, 2017 |
| Book Page | 022858/000729 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | 1 PORTLAND SQ, PORTLAND, ME 04101-4057 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 22, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
Source: Suffolk County and Huntington Town records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Huntington Town |
| Unified School District | Commack Union Free School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,160 (-) Land $300 Building $2,860 | $702,223 (+10,788.87%) Land $66,667 Building $635,556 | |
| 2024 | $11,477.00 | $6,449 (+12.25%) Land $612 Building $5,837 | |
| 2023 | $3,160 Land $300 Building $2,860 | $5,745 Land $545 Building $5,200 |
Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031121031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearby Flood Claims | 5 (1979–1981) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Feb 1981, rainfall accumulation |
| Nearby Flood Policies | 3 in force 1 of 3 on primary residences |
| Flood Insurance Cost | Premium on Record median of 3 individual NFIP policies nearby |
| Wildfire Risk | Low above 1% of the US · above 1% of New York |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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