Suffolk County and Smithtown Town property record for 20 Melrose Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,418 sqft · built 1969 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $800,000 (Sep 2024) |
| Tax Bill | $17,674 (2024) |
| Deeds & Mortgages | Sep 2024 Sale & Mortgage Apr 2024 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 65.-2-15 |
| Primary APN | 473489 65.-2-15 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,418 sqft Living Area |
| Gross Area | 3,192 sqft |
| 1st Floor Area | 1,148 sqft |
| 2nd Floor Area | 1,270 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Colonial |
| Exterior Material | Composition |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 127 ft deep x 61 ft wide |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 774 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 20 MELROSE LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-1615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 13-505701 TC-52 *5056 LOT 5 MELODY ESTS AT COMMACK |
| Legal Subdivision | MAP OF MELODY ESTATES AT COMMACK |
| Legal Block | 2 |
| Legal Lot Number | 15 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 135102 |
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 | 407 ARGYLE RD, EAST MEADOW, NY 11554-4204 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 25, 2024 | Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA |
| Apr 17, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance INSULA CAPITAL CORPORTAGION |
| Apr 17, 2024 | Deed, Transfer |
| Jan 3, 2024 | Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2024 · Amount on Record |
| Deed Sale | Sep 25, 2024 · Amount on Record |
| Prior Sale | Jan 3, 2024 · Amount on Record |
| Deed Book / Page | 13266 / 108 |
| Prior Transfer Date | Jan 14, 2000 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Sep 25, 2024 |
| Property Address | 20 MELROSE LN, COMMACK, NY 11725-1615 |
| Document Number | 0132660108 |
| Book / Page | 13266 / 108 |
| Instrument Date | Aug 19, 2024 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 ARGYLE RD, EAST MEADOW, NY 11554-4204 |
| Document Number | 0023612803 |
|---|---|
| Date | Sep 25, 2024 |
| Instrument | 23612/803 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 MELROSE LN, COMMACK, NY 11725-1615 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0235810212 |
|---|---|
| Date | Apr 17, 2024 |
| Book Page | 23581/212 |
| Name | INSULA CAPITAL CORPORTAGION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Apr 17, 2024 |
| Property Address | 20 MELROSE LN, COMMACK, NY 11725-1615 |
| Document Number | 0132440751 |
| Book / Page | 13244 / 751 |
| Instrument Date | Jan 16, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 845 GOODRICH ST, UNIONDALE, NY 11553-2405 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jan 3, 2024 |
| Property Address | 20 MELROSE LN, COMMACK, NY 11725-1615 |
| Document Number | 0132310180 |
| Book / Page | 13231 / 180 |
| Instrument Date | Dec 7, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1759 STEVENS AVE, MERRICK, NY 11566-2839 |
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 | $6,455 (-) Land $300 Building $6,155 | $806,875 (+10,774.33%) Land $37,500 Building $769,375 | |
| 2024 | $17,674.00 | ||
| 2023 | $6,455 Land $300 Building $6,155 | $7,420 Land $345 Building $7,075 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 420 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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