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126 Caramel Rd, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 126 Caramel Rd, Commack, NY 11725

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,359 sqft · built 1968
Lot Size0.5 acres (21,780 sqft)
Owner2 Individual Names on Record
Tax Bill$8,486 (2024)
Deeds & MortgagesJan 2018 Mortgage
Jan 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APN473489 41.-3-56

Property Details

APN / Parcel Number

Primary APN473489 41.-3-56
Alternative APNs
  • 0800-041.00-03.00-056.000
  • 348904100000030560000000
  • 47340010896

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,359 sqft Living Area
1st Floor Area1,456 sqft
2nd Floor Area903 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 2015
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area21,780 sqft (0.5 acres)
Garage Area286 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Heating SystemHVAC
Heating FuelGas

Location & Zoning

Street Address126 CARAMEL RD
CityCOMMACK
StateNY
Zip11725-1022
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description13-528201 TC-52 *4200 LOT 116 NORTH RIDGE ESTS SEC 4
Legal Block3
Legal Lot Number56
JurisdictionSUFFOLK NY
Township / Civil DivisionSMITHTOWN
Census Block Group1
Census Block1003
Census Tract135101

Owner

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 Record2 Individual Names on Record
Mailing Address126 CARAMEL RD, COMMACK, NY 11725-1022
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 19, 2018Deed of Trust, Mortgage · Conventional Mortgage
BETHPAGE FCU
Jan 19, 2018Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage
BETHPAGE FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateAug 16, 2014
Transfer Doc0128060853
Record UpdatedSep 20, 2026

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUFFOLK NY
Property Address126 CARAMEL RD, COMMACK, NY 11725-1022
Document Number0229020738
Instrument DateJan 19, 2018
Transaction TypeMortgage
Record UpdatedMay 1, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address126 CARAMEL RD COMMACK NY 117251022, COMMACK, NY 11725-1022

Mortgage

Document Number0229020738
DateFeb 21, 2018
Book Page022902/000738
Lender
NameBETHPAGE FCU
TypeCredit Union
AddressLINTHICUM HEIGHTS, MD 21090
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueFeb 20, 2038

January 2018: Loan Modification, Consolidation and Extension, Mortgage

Document TypeLoan Modification, Consolidation and Extension
JurisdictionSUFFOLK NY
Property Address126 CARAMEL RD, COMMACK, NY 11725-1022
Document Number0229020739
Instrument DateJan 19, 2018
Transaction TypeMortgage
Record UpdatedJan 14, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address126 CARAMEL RD COMMACK NY 117251022, COMMACK, NY 11725-1022

Mortgage

Document Number0229020739
DateFeb 21, 2018
Book Page022902/000739
Lender
NameBETHPAGE FCU
TypeCredit Union
Address971 CORPORATE BLVD, LINTHICUM HEIGHTS, MD 21090-2342
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueFeb 20, 2038
Interest
Rate TypeFixed Rate
Rate3.5%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySuffolk County
County SubdivisionSmithtown Town
Unified School DistrictCommack Union Free School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,590 (-) Land $500 Building $6,090$823,750 (+10,774.59%) Land $62,500 Building $761,250
2024$8,486.00
2023$6,590 Land $500 Building $6,090$7,575 Land $575 Building $7,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 94% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemSUFFOLK COUNTY WATER AUTHORITY
serves 1,100,000 people · EPA ID NY5110526
Water SourceGroundwater
Last State InspectionJan 2024
Lead1 ppb (2025–2027)
action level 15 ppb

Violations Reported to EPA

Water QualityAsbestos
resolved · Jul 2020
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 86 locations within half a mile, as of December 31, 2025

ProviderMax 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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