Suffolk County and Smithtown Town property record for 20 Florida Ave, Commack, NY 11725 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,728 sqft · built 1962 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $545,000 (Jun 2019) |
| Tax Bill | $16,169 (2024) |
| Deeds & Mortgages | Sep 2021 Refinance Jun 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 177.-1-50 |
| Primary APN | 473489 177.-1-50 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,728 sqft Living Area |
| Gross Area | 2,655 sqft |
| 1st Floor Area | 864 sqft |
| 2nd Floor Area | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 10,454 sqft (0.24 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 831 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 192 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 20 FLORIDA AVE |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-5114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-226101 TC-52 *3524 LOT 8 MAP OF CLOVERLEAF SEC 1 |
| Legal Subdivision | MAP CLOVERLEAF SECTION 1 |
| Legal Block | 1 |
| Legal Lot Number | 50 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 135205 |
Source: Suffolk County and Smithtown Town records · APN 473489 177.-1-50
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 FLORIDA AVE, COMMACK, NY 11725-5114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIBANK NA |
| Jun 04, 2019 | Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 04, 2019 · Amount on Record |
| Deed Sale | Jun 04, 2019 · Amount on Record |
| Prior Sale | Jan 09, 2013 · Amount on Record |
| Deed Book / Page | 13014 / 170 |
| Prior Transfer Date | Mar 26, 2003 |
| Prior Transfer Doc | 0122550544 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 FLORIDA AVE, COMMACK, NY 11725-5114 |
| Transaction Type | Mortgage |
| Record Updated | Nov 02, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0233260800 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 23326/800 |
| Instrument | DM035174 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jun 04, 2019 |
| Property Address | 20 FLORIDA AVE, COMMACK, NY 11725-5114 |
| Document Number | 0130140170 |
| Book / Page | 13014 / 170 |
| Instrument Date | May 03, 2019 |
| Transaction Type | Transfer |
| Record Updated | Sep 02, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 | $5,888 (-) Land $300 Building $5,588 | $736,000 (+10,774.7%) Land $37,500 Building $698,500 | |
| 2024 | $16,169.00 | ||
| 2023 | $5,888 Land $300 Building $5,588 | $6,768 Land $345 Building $6,423 |
Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031352052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 8 individual NFIP policies nearby |
| Nearby Flood Policies | 8 in force 3 of 8 on primary residences |
| Nearby Flood Claims | 5 (1981–2015) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 2015, rainfall accumulation |
| Wildfire Risk | Low above 5% of the US · above 7% of New York |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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