15 Whitebirch Ln, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 15 Whitebirch Ln, Commack, NY 11725

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,804 sqft · built 1956
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$412,000 (Apr 2016)
Tax Bill	$15,086 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2024 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`473489 91.-3-55`

Property Details

APN / Parcel Number

Primary APN	`473489 91.-3-55`
Alternative APNs	`0800-091.00-03.00-055.000` `348909100000030550000000` `47340022064`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,804 sqft Living Area
Gross Area	3,084 sqft
1st Floor Area	1,402 sqft
2nd Floor Area	1,402 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Colonial
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Lot Area	13,068 sqft (0.3 acres)
View / Lot	Suburban
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15 WHITEBIRCH LN
City	COMMACK
State	NY
Zip	11725-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12-475451 TC-52 *2479 SEC C LOT 120 MAYFAIR EST
Legal Subdivision	MAYFAIR ESTS
Legal Block	3
Legal Lot Number	55
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1010
Census Tract	135102

Owner

Source: Suffolk County and Smithtown Town records, as of August 26, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	15 WHITEBIRCH LN, COMMACK, NY 11725-2412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Mar 14, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU
Aug 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU
Nov 3, 2017	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2016 · Amount on File
Deed Sale	Apr 26, 2016 · Amount on File
Deed Book / Page	12862 / 64
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Recording Date	Jul 16, 2026
Property Address	15 WHITEBIRCH LN, COMMACK, NY 11725-2412
Document Number	2373000626
Book / Page	23737 / 626
Instrument Date	Mar 12, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 WHITEBIRCH LN, COMMACK, NY 11725-2412

Mortgage

Document Number	2373000626,
Date	Jul 16, 2026
Book Page	23737/626

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	15 WHITEBIRCH LN, COMMACK, NY 11725-2412
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0235730373
Date	Mar 14, 2024
Book Page	23573/373

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	15 WHITEBIRCH LN, COMMACK, NY 11725-2412
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234510748
Date	Aug 25, 2022
Book Page	23451/748

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	15 WHITEBIRCH LN, COMMACK, NY 11725-2412
Document Number	0228840442
Book / Page	022884 / 000442
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Feb 21, 2018
Title Company	SERVICELINK EAST

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 WHITEBIRCH LN COMMACK NY 117252412, COMMACK, NY 11725-2412

Mortgage

Document Number	0228840442
Date	Dec 15, 2017
Book Page	022884/000442

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2047

Interest

Rate Type	Adjustable Rate

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		$5,480 (-) Land $320 Building $5,160	$685,000 (+10,774.74%) Land $40,000 Building $645,000
2024	$15,086.00
2023		$5,480 Land $320 Building $5,160	$6,299 Land $368 Building $5,931

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

Flood

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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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