Suffolk County and Huntington Town property record for 12 Bernard Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Sep 1999) |
| Tax Bill | $13,113 (2024) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0400-225.00-02.00-013.000 |
| Primary APN | 0400-225.00-02.00-013.000 |
|---|---|
| Alternative APNs |
|
| Lot Area | 8,712 sqft (0.2 acres) |
|---|
| Street Address | 12 BERNARD LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-3904 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 |
| Legal Description | BLK LOT 130 |
| Legal Subdivision | CAMEO PARK |
| Legal Block | 200 |
| Legal Lot Number | 13 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | HUNTINGTON |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 112103 |
12 Bernard Ln is owned and occupied by two individuals who bought it in September 1999.
Source: Suffolk County and Huntington Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 BERNARD LN, COMMACK, NY 11725-3904 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 14, 1999 · Amount on File |
| Deed Sale | Sep 14, 1999 · Amount on File |
| Deed Book / Page | 11988 / 952 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 12 BERNARD LN, COMMACK, NY 11725-3904 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0229790796 |
|---|---|
| Date | Nov 21, 2018 |
| Book Page | 22979/796 |
| Instrument | DJ028547 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Dec 1, 2046 |
Source: Suffolk County and Huntington Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Huntington Town |
| Unified School District | Commack Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,200 Land $250 Building $2,950 | $711,112 (+10,789.92%) Land $55,556 Building $655,556 | |
| 2024 | $13,113.00 | $6,530 (+12.22%) Land $510 Building $6,020 | |
| 2023 | $3,200 (-) Land $250 Building $2,950 | $5,819 (+16.38%) Land $455 Building $5,364 | |
| 2022 | $12,592.00 Homeowner's exemption | $3,200 Land $250 Building $2,950 | $5,000 Land $391 Building $4,609 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 12 Bernard Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.
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 |
| Nearby Flood Claims | 5 (1979–1981) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Feb 1981 · rainfall accumulation |
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.
Wildfire risk around 12 Bernard Ln is low, with less than a 0.01% annual chance of wildfire.
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 | 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 | GREENLAWN WATER DISTRICT serves 42,000 people · EPA ID NY5103271 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 15 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 348 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures