20 Bette Ln, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 20 Bette Ln, Commack, NY 11725

Property Summary

Property Type	Single Family Home
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Tax Bill	$17,674 (2024)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473489 90.-2-73`

Property Details

APN / Parcel Number

Primary APN	`473489 90.-2-73`
Alternative APNs	`0800-090.00-02.00-073.000` `348909000000020730000000` `47340021878`

Exterior

Lot Area	10,890 sqft (0.25 acres)

Location & Zoning

Street Address	20 BETTE LN
City	COMMACK
State	NY
Zip	11725-2334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9-350026 TC-52 *2520 LOT 31 GREENWOOD ESTATES
Legal Block	2
Legal Lot Number	73
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1013
Census Tract	135102

Owner

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	20 BETTE LN, COMMACK, NY 11725-2334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit JOVIA FINANCIAL FCU
Jan 27, 2023	Quit Claim Deed, Transfer Quitclaim
Apr 15, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 1, 2020
Transfer Doc	0131520026
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	20 BETTE LN, COMMACK, NY 11725-2334
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0236870670
Date	Oct 6, 2025
Book Page	23687/670

Lender

Name	JOVIA FINANCIAL FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jan 27, 2023
Property Address	20 BETTE LN, COMMACK, NY 11725-2334
Document Number	0131860560
Book / Page	13186 / 560
Instrument Date	Sep 3, 2022
Transaction Type	Transfer
Record Updated	Jan 23, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 BETTE LN, COMMACK, NY 11725-2334

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUFFOLK NY
Recording Date	Apr 15, 2022
Property Address	20 BETTE LN, COMMACK, NY 11725-2334
Document Number	0131520026
Book / Page	13152 / 26
Instrument Date	Apr 1, 2020
Transaction Type	Transfer
Record Updated	Aug 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Smithtown Town
Unified School District	Commack Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$6,455 (-) Land $275 Building $6,180	$806,875 (+10,775.79%) Land $34,375 Building $772,500
2024	$17,674.00
2023		$6,455 (-) Land $275 Building $6,180	$7,419 (+12.63%) Land $316 Building $7,103
2022		$6,455 Land $275 Building $6,180	$6,587 Land $281 Building $6,306

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 (1979–2010)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 331 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

May also be available: T-Mobile.

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