Suffolk County and Smithtown Town property record for 15 Retta Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $470,000 (Mar 2007) |
| Tax Bill | $13,923 (2024) |
| Deeds & Mortgages | Jan 2022 Refinance Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 144.-2-22 |
| Primary APN | 473489 144.-2-22 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,890 sqft (0.25 acres) |
|---|
| Street Address | 15 RETTA LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-4510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-216151 TC-52 *3124 LOT 33 CAROL LAWNS SEC 2 |
| Legal Subdivision | MAP OF CAROL LAWNS SEC 2 |
| Legal Block | 2 |
| Legal Lot Number | 22 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 135205 |
Source: Suffolk County and Smithtown Town records · APN 473489 144.-2-22
Assessment roll updated August 11, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 15 RETTA LN, COMMACK, NY 11725-4510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU |
| Apr 24, 2020 | Deed of Trust, Mortgage · Balloon Mortgage BETHPAGE FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 14, 2007 · Amount on Record |
| Deed Sale | Mar 14, 2007 · Amount on Record |
| Deed Book / Page | 12496 / 306 |
| Last Transfer Date | Apr 22, 2013 |
| Transfer Doc | 0127400788 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 15 RETTA LN, COMMACK, NY 11725-4510 |
| Transaction Type | Mortgage |
| Record Updated | Mar 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0233680650 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 23368/650 |
| Instrument | DM058889 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Feb 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 15 RETTA LN, COMMACK, NY 11725-4510 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231290597 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 23129/597 |
| Instrument | DL003968 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Smithtown Town |
| Unified School District | Commack Union Free School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,325 (-) Land $325 Building $5,000 | $665,625 (+10,774.45%) Land $40,625 Building $625,000 | |
| 2024 | $13,923.00 | ||
| 2023 | $5,325 Land $325 Building $5,000 | $6,121 Land $374 Building $5,747 |
Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
Based on FCC filings for 266 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SUFFOLK COUNTY WATER AUTHORITY serves 1,100,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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