Suffolk County and Smithtown Town property record for 18 Cobb Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $369,000 (Apr 2014) |
| Tax Bill | $14,527 (2024) |
| Deeds & Mortgages | Jun 2022 Mortgage Mar 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 89.-3-24 |
| Primary APN | 473489 89.-3-24 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,890 sqft (0.25 acres) |
|---|
| Street Address | 18 COBB LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-176226 TC-52 *2418 SEC 1 LOT 9 BIRCHWOOD PARK AT COMMACK |
| Legal Subdivision | BIRCHWOOD PK SEC 1 |
| Legal Block | 3 |
| Legal Lot Number | 24 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 135101 |
Source: Suffolk County and Smithtown Town records, as of October 19, 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 | 18 COBB LN, COMMACK, NY 11725-2102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2022 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Mar 1, 2018 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Mar 1, 2018 | Loan Modification, Consolidation and Extension, Mortgage · VA Mortgage CALIBER HM LOANS |
| Feb 15, 2017 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Feb 15, 2017 | Loan Modification, Consolidation and Extension, Mortgage · VA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2014 · Amount on Record |
| Deed Sale | Apr 24, 2014 · Amount on Record |
| Deed Book / Page | 12771 / 715 |
| Prior Transfer Date | Oct 28, 2010 |
| Prior Transfer Doc | 0126450362 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 18 COBB LN, COMMACK, NY 11725-2102 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0234290153 |
|---|---|
| Date | Jun 16, 2022 |
| Book Page | 23429/153 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 18 COBB LN, COMMACK, NY 11725-2102 |
| Document Number | 0229090828 |
| Instrument Date | Mar 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2018 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 18 COBB LN COMMACK NY 117252102, COMMACK, NY 11725-2102 |
| Document Number | 0229090828 |
|---|---|
| Date | Mar 19, 2018 |
| Book Page | 022909/000828 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 18, 2048 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 18 COBB LN, COMMACK, NY 11725-2102 |
| Document Number | 0229170664 |
| Instrument Date | Mar 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 18 COBB LN COMMACK NY 117252102, COMMACK, NY 11725-2102 |
| Document Number | 0229170664 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 022917/000664 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | 3701 REGENT BLVD # 180, IRVING, TX 75063-2312 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 18 COBB LN, COMMACK, NY 11725-2102 |
| Document Number | 0228000568 |
| Instrument Date | Feb 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2020 |
| Title Company | STEWART TITLE, STEWART TITLE INSURANCE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 18 COBB LN COMMACK NY 117252102, COMMACK, NY 11725-2102 |
| Document Number | 0228000568 |
|---|---|
| Date | Mar 22, 2017 |
| Book Page | 022800/000568 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 21, 2047 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 18 COBB LN, COMMACK, NY 11725-2102 |
| Document Number | 0228080239 |
| Instrument Date | Feb 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | KENSINGTON VANGUARD NATIONAL LAND, KENSINGTON VANGUARD NAT'L LAND |
| Name | Verified Name |
|---|---|
| Address | 18 COBB LN COMMACK NY 117252102, COMMACK, NY 11725-2102 |
| Document Number | 0228080239 |
|---|---|
| Date | Apr 14, 2017 |
| Book Page | 022808/000239 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 13, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
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 | $6,970 (+4.5%) Land $300 Building $6,670 | $871,250 (+11,263.64%) Land $37,500 Building $833,750 | |
| 2024 | $14,527.00 | ||
| 2023 | $6,670 Land $300 Building $6,370 | $7,667 Land $345 Building $7,322 |
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 | 4 in force |
| Nearby Flood Claims | 2 (1979–2023) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 2023 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 140 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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