12 Northrop Ct, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 12 Northrop Ct, Commack, NY 11725

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,284 sqft · built 1963
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$432,500 (Mar 2016)
Tax Bill	$12,238 (2024)
Deeds & Mortgages	Jan 2023 Line of Credit Apr 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`473489 92.-1-15`

Property Details

APN / Parcel Number

Primary APN	`473489 92.-1-15`
Alternative APNs	`0800-092.00-01.00-015.000` `348909200000010150000000` `47340022089`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,284 sqft Living Area
1st Floor Area	1,284 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	12,197 sqft (0.28 acres)
View / Lot	Suburban
Garage Type	Basement

Exterior Amenities

Porch	Open Porch
Porch Area	175 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	12 NORTHROP CT
City	COMMACK
State	NY
Zip	11725-2416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8-302026 TC-52 *3481 LOT 15 EXQUISITE GREENS
Legal Subdivision	EXQUISITE GREENS
Legal Block	1
Legal Lot Number	15
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1007
Census Tract	135102

Owner

12 Northrop Ct is owned and occupied by two individuals who bought it in March 2016.

Source: Suffolk County and Smithtown Town records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 NORTHROP CT, COMMACK, NY 11725-2416
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Deed of Trust, Mortgage · Line of Credit JOVIA FINANCIAL CREDIT UNION
Apr 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONWIDE MORTGAGE BANKERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2016 · Amount on File
Deed Sale	Mar 1, 2016 · Amount on File
Prior Sale	Aug 24, 2005 · Amount on File
Deed Book / Page	12854 / 610
Prior Transfer Date	Dec 20, 1994
Prior Transfer Doc	1171000839
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	12 NORTHROP CT, COMMACK, NY 11725-2416
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234780931
Date	Jan 31, 2023
Book Page	23478/931

Lender

Name	JOVIA FINANCIAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	337 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	12 NORTHROP CT, COMMACK, NY 11725-2416
Transaction Type	Mortgage
Record Updated	May 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0232540743
Date	Apr 2, 2021
Book Page	23254/743
Instrument	DM000522

Lender

Name	NATIONWIDE MORTGAGE BANKERS

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Smithtown Town
Unified School District	Commack Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$4,407 Land $300 Building $4,107	$550,875 Land $37,500 Building $513,375
2024	$12,238.00
2023		$4,407 Land $300 Building $4,107	$5,066 Land $345 Building $4,721

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12 Northrop Ct 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 (1979–2010)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Mar 2010 · Severe Storms And 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.

Wildfire

Wildfire risk around 12 Northrop Ct 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 98% of the US · lower than 97.9% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 331 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

May also be available: T-Mobile.

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