Suffolk County and Smithtown Town property record for 15 Andover Ct, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,462 sqft · built 1960 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (May 2006) |
| Tax Bill | $18,269 (2024) |
| Deeds & Mortgages | Jan 2022 Sale Nov 2017 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 66.-4-62 |
| Primary APN | 473489 66.-4-62 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,462 sqft Living Area |
| Gross Area | 2,743 sqft |
| 1st Floor Area | 1,198 sqft |
| 2nd Floor Area | 1,264 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 19,166 sqft (0.44 acres) |
| Garage Type | Attached |
| Garage Area | 142 sqft |
| Porch | Covered Porch |
| Porch Area | 139 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 15 ANDOVER CT |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-1604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 13-520401 TC-52 *3066 LOT 7 NORTHGATE WOODS SEC 1 |
| Legal Subdivision | NORTHGATE WOODS |
| Legal Block | 4 |
| Legal Lot Number | 62 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 135102 |
15 Andover Ct is owned and occupied by two individuals who acquired it in November 2021.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 ANDOVER CT, COMMACK, NY 11725-1604 |
| 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.
| Date | Document |
|---|---|
| Jan 28, 2022 | Deed, Transfer |
| Nov 9, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance TEACHERS FCU |
| Jun 12, 2019 | Deed of Trust, Mortgage · Construction Mortgage TEACHERS FCU |
| May 10, 2019 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage TEACHERS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2006 · Amount on File |
| Deed Sale | May 1, 2006 · Amount on File |
| Deed Book / Page | 12447 / 812 |
| Last Transfer Date | Nov 19, 2021 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jan 28, 2022 |
| Property Address | 15 ANDOVER CT, COMMACK, NY 11725-1604 |
| Document Number | 0131400651 |
| Book / Page | 13140 / 651 |
| Instrument Date | Nov 19, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 620 ATWOOD LAKE RD, COLD BROOK, NY 13324-3025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 15 ANDOVER CT, COMMACK, NY 11725-1604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | 1ST AMERICAN |
| Name | Verified Name |
|---|
| Document Number | 0228720462 |
|---|---|
| Date | Nov 9, 2017 |
| Book Page | 22872/462 |
| Instrument | 17-0199187 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 217 Months |
| Due | Dec 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 15 ANDOVER CT, COMMACK, NY 11725-1604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0230340223 |
|---|---|
| Date | Jun 12, 2019 |
| Book Page | 23034/223 |
| Instrument | DK008094 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 169 Months |
| Due | Jul 1, 2033 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 15 ANDOVER CT, COMMACK, NY 11725-1604 |
| Document Number | 0230340224 |
| Instrument Date | May 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 15 ANDOVER CT COMMACK NY 117251604, COMMACK, NY 11725-1604 |
| Document Number | 0230340224 |
|---|---|
| Date | Jun 12, 2019 |
| Book Page | 023034/000224 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | 102 MOTOR PKWY, HAUPPAUGE, NY 11788-5147 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 11, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
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 | $7,300 Land $350 Building $6,950 | $912,500 Land $43,750 Building $868,750 | |
| 2024 | $18,269.00 | ||
| 2023 | $7,300 Land $350 Building $6,950 | $8,391 Land $402 Building $7,989 |
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 15 Andover 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 risk around 15 Andover 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.
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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