Suffolk County and Smithtown Town property record for 20 Bethal Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $560,000 (Dec 2005) |
| Tax Bill | $16,633 (2024) |
| Deeds & Mortgages | Oct 2020 Refinance Mar 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 41.-4-10 |
| Primary APN | 473489 41.-4-10 |
|---|---|
| Alternative APNs |
|
| Lot Area | 21,780 sqft (0.5 acres) |
|---|---|
| View / Lot | Suburban |
| Sewer | Connected |
|---|---|
| Water Source | Commercial |
| Street Address | 20 BETHAL LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-1004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 13-526701 TC-52 *3756 LOT 56 NORTH RIDGE ESTATES SEC 2 |
| Legal Block | 4 |
| Legal Lot Number | 10 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 135101 |
Source: Suffolk County and Smithtown Town records · APN 473489 41.-4-10
Assessment roll updated August 11, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 20 BETHAL LN, COMMACK, NY 11725-1004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 15, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Mar 19, 2020 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 23, 2005 · Amount on Record |
| Deed Sale | Dec 23, 2005 · Amount on Record |
| Deed Book / Page | 12427 / 323 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 BETHAL LN, COMMACK, NY 11725-1004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231830999 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 23183/999 |
| Instrument | DL030562 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 BETHAL LN, COMMACK, NY 11725-1004 |
| Document Number | 0231840001 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 05, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 BETHAL LN COMMACK NY 117251004, COMMACK, NY 11725-1004 |
| Document Number | 0231840001 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 023184/000001 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55467-8000 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 14, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Smithtown Town |
| Unified School District | Commack Union Free School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,535 (-) Land $500 Building $6,035 | $816,875 (+10,774.27%) Land $62,500 Building $754,375 | |
| 2024 | $16,633.00 | ||
| 2023 | $6,535 Land $500 Building $6,035 | $7,512 Land $575 Building $6,937 |
Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 188 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SUFFOLK COUNTY WATER AUTHORITY serves 1,100,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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