Suffolk County and Huntington Town property record for 16 Bernard Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $16,054 (2024) |
| Deeds & Mortgages | Nov 2017 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 0400-225.00-02.00-011.000 |
| Primary APN | 0400-225.00-02.00-011.000 |
|---|---|
| Alternative APNs |
|
| Lot Area | 7,841 sqft (0.18 acres) |
|---|
| Street Address | 16 BERNARD LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-3904 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 |
| Legal Description | BLK LOT 132 |
| Legal Subdivision | CAMEO PARK |
| Legal Block | 200 |
| Legal Lot Number | 11 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | HUNTINGTON |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 112103 |
16 Bernard Ln is owned and occupied by two individuals.
Source: Suffolk County and Huntington Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 BERNARD LN, COMMACK, NY 11725-3904 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 16 BERNARD LN, COMMACK, NY 11725-3904 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0228780165 |
|---|---|
| Date | Nov 28, 2017 |
| Book Page | 22878/165 |
| Instrument | 17-0210236 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Dec 1, 2045 |
Source: Suffolk County and Huntington Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Huntington Town |
| Unified School District | Commack Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,600 Land $250 Building $3,350 | $800,000 (+10,788.8%) Land $55,556 Building $744,444 | |
| 2024 | $16,054.00 | $7,347 (+6.32%) Land $510 Building $6,837 | |
| 2023 | $3,800 Land $250 Building $3,550 | $6,910 Land $455 Building $6,455 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Bernard Ln 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 (1979–1981) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Feb 1981 · rainfall accumulation |
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 16 Bernard Ln 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 99.1% of the US · lower than 99.2% 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 | GREENLAWN WATER DISTRICT serves 42,000 people · EPA ID NY5103271 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 15 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 348 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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