Suffolk County and Smithtown Town property record for 11 Harvard Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,061 sqft · built 1959 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $355,000 (Jan 2011) |
| Tax Bill | $10,567 (2024) |
| Deeds & Mortgages | Feb 2026 Mortgage Aug 2022 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 92.-4-12 |
| Primary APN | 473489 92.-4-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,061 sqft Living Area |
| Gross Area | 1,554 sqft |
| 1st Floor Area | 1,061 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 15,246 sqft (0.35 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 493 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 504 sqft |
| Shed | 1 Shed |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 11 HARVARD LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18-699874 TC-52 *2639 LOT 127 SMITHTOWN ESTS SEC 2 |
| Legal Subdivision | SMITHTOWN ESTS SEC #2 |
| Legal Block | 4 |
| Legal Lot Number | 12 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 135103 |
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 | 11 HARVARD LN, COMMACK, NY 11725-2509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2026 | Deed of Trust, Mortgage ROCKET MORTGAGE LLC |
| Aug 22, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU |
| Nov 2, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Nov 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 24, 2011 · Amount on Record |
| Deed Sale | Jan 24, 2011 · Amount on Record |
| Deed Book / Page | 12649 / 385 |
| Prior Transfer Date | Sep 15, 1997 |
| Prior Transfer Doc | 1185000908 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 11 HARVARD LN, COMMACK, NY 11725-2509 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0237130528 |
|---|---|
| Date | Feb 25, 2026 |
| Book Page | 23713/528 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 11 HARVARD LN, COMMACK, NY 11725-2509 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0234500460 |
|---|---|
| Date | Aug 22, 2022 |
| Book Page | 23450/460 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 11 HARVARD LN, COMMACK, NY 11725-2509 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0233410420 |
|---|---|
| Date | Nov 2, 2021 |
| Book Page | 23341/420 |
| Instrument | DM044186 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 11 HARVARD LN, COMMACK, NY 11725-2509 |
| Document Number | 0229800199 |
| Instrument Date | Nov 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 11 HARVARD LN COMMACK NY 117252509, COMMACK, NY 11725-2509 |
| Document Number | 0229800199 |
|---|---|
| Date | Nov 23, 2018 |
| Book Page | 022980/000199 |
| Name | DISCOVER BK |
|---|---|
| Type | Bank |
| Address | 12 READS WAY, NEW CASTLE, DE 19720-1649 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 22, 2038 |
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 | $4,165 (-) Land $355 Building $3,810 | $520,625 (+10,775.81%) Land $44,375 Building $476,250 | |
| 2024 | $10,567.00 | ||
| 2023 | $4,165 Land $355 Building $3,810 | $4,787 Land $408 Building $4,379 |
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 Claims | 1 (1992) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 1992 · Coastal Storm, High Tides, Heavy Rain, & Flooding |
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 98% of the US · lower than 97.9% 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 386 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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