Suffolk County and Smithtown Town property record for 14 Retta Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,613 sqft · built 1962 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $433,160 (Jul 2014) |
| Tax Bill | $14,283 (2024) |
| Deeds & Mortgages | Jun 2021 Refinance Sep 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 144.-2-4 |
| Primary APN | 473489 144.-2-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,613 sqft Living Area |
| Gross Area | 2,029 sqft |
| 1st Floor Area | 930 sqft |
| 2nd Floor Area | 683 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 416 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 14 RETTA LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-4511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-216076 TC-52 *3124 LOT 30 CAROL LAWNS SEC 2 |
| Legal Subdivision | MAP CAROL LAWNS SECTION #2 |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 135205 |
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 | 14 RETTA LN, COMMACK, NY 11725-4511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FEDERAL SAVING & LOAN ASSOC |
| Sep 4, 2019 | Deed of Trust, Mortgage · Balloon Mortgage THIRD FEDERAL SAVING & LOAN ASSOC |
| Apr 6, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FEDERAL SAVING & LOAN ASSOC |
| Jun 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Jun 7, 2019 | Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI BANK OF AMERICA |
| Nov 25, 2017 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2014 · Amount on Record |
| Deed Sale | Jul 16, 2014 · Amount on Record |
| Prior Sale | Nov 5, 2003 · Amount on Record |
| Deed Book / Page | 12781 / 131 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 14 RETTA LN, COMMACK, NY 11725-4511 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0232840999 |
|---|---|
| Date | Jun 8, 2021 |
| Book Page | 23284/999 |
| Instrument | DM015647 |
| Name | THIRD FEDERAL SAVING & LOAN ASSOC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 14 RETTA LN, COMMACK, NY 11725-4511 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0230570733 |
|---|---|
| Date | Sep 4, 2019 |
| Book Page | 23057/733 |
| Instrument | DK019133 |
| Name | THIRD FEDERAL SAVING & LOAN ASSOC |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Oct 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 14 RETTA LN, COMMACK, NY 11725-4511 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0232550920 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 23255/920 |
| Instrument | DM001057 |
| Name | THIRD FEDERAL SAVING & LOAN ASSOC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 14 RETTA LN, COMMACK, NY 11725-4511 |
| Document Number | 0230440814 |
| Instrument Date | Jun 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 14 RETTA LN COMMACK NY 117254511, COMMACK, NY 11725-4511 |
| Document Number | 0230440814 |
|---|---|
| Date | Jul 24, 2019 |
| Book Page | 023044/000814 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 S TRYON ST #, CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 14 RETTA LN, COMMACK, NY 11725-4511 |
| Document Number | 0230440815 |
| Instrument Date | Jun 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 14 RETTA LN COMMACK NY 117254511, COMMACK, NY 11725-4511 |
| Document Number | 0230440815 |
|---|---|
| Date | Jul 24, 2019 |
| Book Page | 023044/000815 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 S TRYON ST, CHARLOTTE, NC 28280-0002 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 14 RETTA LN, COMMACK, NY 11725-4511 |
| Document Number | 0228860400 |
| Instrument Date | Nov 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 14 RETTA LN COMMACK NY 117254511, COMMACK, NY 11725-4511 |
| Document Number | 0228860400 |
|---|---|
| Date | Dec 22, 2017 |
| Book Page | 022886/000400 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 21, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,565 (-) Land $300 Building $5,265 | $695,625 (+10,774.24%) Land $37,500 Building $658,125 | |
| 2024 | $14,283.00 | ||
| 2023 | $5,565 Land $300 Building $5,265 | $6,397 Land $345 Building $6,052 |
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 Policies | 1 in force |
| Nearby Flood Claims | 4 (1980–1985) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Aug 1985 · tidal / storm surge |
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 266 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 |
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