Suffolk County and Smithtown Town property record for 16 Retta Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,059 sqft · built 1961 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $615,000 (Oct 2024) |
| Tax Bill | $11,609 (2024) |
| Deeds & Mortgages | Oct 2024 Sale & Refinance Jan 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 144.-2-3 |
| Primary APN | 473489 144.-2-3 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,059 sqft Living Area |
| Gross Area | 1,319 sqft |
| 1st Floor Area | 1,059 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 16 RETTA LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-4511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-216101 TC-52 *3124 LOT 31 CAROL LAWNS SEC 2 |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| 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 | 16 HARVARD ST, WILLISTON PARK, NY 11596-1313 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Oct 28, 2024 | Deed, Transfer · Stand-Alone Refinance HOMESTEAD FUNDING CORP |
| Jan 21, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance OCEAN FINANCIAL FEDERAL CREDIT UNION |
| Jul 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OCEAN FIN'L FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2024 · Amount on Record |
| Deed Sale | Oct 28, 2024 · Amount on Record |
| Prior Sale | Sep 16, 2020 · Amount on Record |
| Deed Book / Page | 13270 / 77 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Oct 28, 2024 |
| Property Address | 16 RETTA LN, COMMACK, NY 11725-4511 |
| Document Number | 0132700077 |
| Book / Page | 13270 / 77 |
| Instrument Date | Aug 6, 2024 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 16 HARVARD ST, WILLISTON PARK, NY 11596-1313 |
| Investor | Possibly a Property Investor |
| Document Number | 0023618417 |
|---|---|
| Date | Oct 28, 2024 |
| Instrument | 23618/417 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 16 RETTA LN, COMMACK, NY 11725-4511 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0233690943 |
|---|---|
| Date | Jan 21, 2022 |
| Book Page | 23369/943 |
| Instrument | DM059829 |
| Name | OCEAN FINANCIAL FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 229 Months |
| Due | Feb 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 16 RETTA LN, COMMACK, NY 11725-4511 |
| Document Number | 0231740019 |
| Instrument Date | Jul 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 28 GREEN AVE LYNBROOK NY 115631538, LYNBROOK, NY 11563-1538 |
| Document Number | 0231740019 |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 023174/000019 |
| Name | OCEAN FIN'L FCU |
|---|---|
| Address | OCEANSIDE, NY 11572-4420 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 15, 2050 |
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 | $4,170 (-) Land $300 Building $3,870 | $521,250 (+10,775.23%) Land $37,500 Building $483,750 | |
| 2024 | $11,609.00 | ||
| 2023 | $4,170 Land $300 Building $3,870 | $4,793 Land $345 Building $4,448 |
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 96% of the US · lower than 95% 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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