Suffolk County and Smithtown Town property record for 188 Indian Head Rd, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,279 sqft · built 1965 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $555,000 (Dec 2018) |
| Tax Bill | $15,471 (2024) |
| Deeds & Mortgages | Dec 2020 Refinance Oct 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 62.-3-32 |
| Primary APN | 473489 62.-3-32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,279 sqft Living Area |
| Gross Area | 3,246 sqft |
| 1st Floor Area | 1,421 sqft |
| 2nd Floor Area | 858 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 44,867 sqft |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 846 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 576 sqft |
|---|---|
| Porch | Covered Porch |
| Porch Area | 121 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 188 INDIAN HEAD RD |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3-98476 TC-52 MAYFAIR ES SC GIND HD RD&COWIE COWIE |
| Legal Block | 3 |
| Legal Lot Number | 32 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 135102 |
Source: Suffolk County and Smithtown Town records, as of August 11, 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 | 188 INDIAN HEAD RD, COMMACK, NY 11725-2206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Oct 9, 2020 | Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI QUICKEN LNS |
| Dec 27, 2018 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 2018 · Amount on File |
| Deed Sale | Dec 27, 2018 · Amount on File |
| Deed Book / Page | 12994 / 489 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 188 INDIAN HEAD RD, COMMACK, NY 11725-2206 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0232130355 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 23213/355 |
| Instrument | DL044350 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 188 INDIAN HEAD RD, COMMACK, NY 11725-2206 |
| Document Number | 0232130356 |
| Instrument Date | Oct 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 188 INDIAN HEAD RD COMMACK NY 117252206, COMMACK, NY 11725-2206 |
| Document Number | 0232130356 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 023213/000356 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 28, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Dec 27, 2018 |
| Property Address | 188 INDIAN HEAD RD, COMMACK, NY 11725-2206 |
| Document Number | 0129940489 |
| Book / Page | 12994 / 489 |
| Instrument Date | Dec 11, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 188 INDIAN HEAD RD, COMMACK, NY 11725-2206 |
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 | $5,625 (-) Land $445 Building $5,180 | $703,125 (+10,775.87%) Land $55,625 Building $647,500 | |
| 2024 | $15,471.00 | ||
| 2023 | $5,625 Land $445 Building $5,180 | $6,465 Land $511 Building $5,954 |
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 | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2007 · 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 | Low lower than 94% of the US · lower than 93% 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.
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 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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