Suffolk County and Smithtown Town property record for 20 Plum Tree Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,541 sqft · built 1957 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $430,000 (Jan 2016) |
| Tax Bill | $14,091 (2024) |
| Deeds & Mortgages | Apr 2026 Sale Jun 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 92.-1-41 |
| Primary APN | 473489 92.-1-41 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,541 sqft Living Area |
| 1st Floor Area | 1,065 sqft |
| Basement Area | 476 sqft |
| Finished Basement | 476 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,761 sqft (0.27 acres) |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 20 PLUM TREE LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12-477376 TC-52 *2481 LOT 197 MAYFAIR ESTATES SEC E |
| Legal Subdivision | MAYFAIR ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 41 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 135102 |
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 Trust Names on Record |
|---|---|
| Mailing Address | 20 PLUM TREE LN, COMMACK, NY 11725-2409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 2, 2026 | Deed, Transfer |
| Jun 24, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSS COUNTRY LENDERS LLC |
| May 21, 2019 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2016 · Amount on Record |
| Deed Sale | Jan 5, 2016 · Amount on Record |
| Prior Sale | Mar 14, 2005 · Amount on Record |
| Deed Book / Page | D00012847 / 302 |
| Last Transfer Date | Jan 27, 2026 |
| Transfer Doc | 0133310509 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Apr 2, 2026 |
| Property Address | 20 PLUM TREE LN, COMMACK, NY 11725-2409 |
| Document Number | 0133310509 |
| Book / Page | 13331 / 509 |
| Instrument Date | Jan 27, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 20 PLUM TREE LN, COMMACK, NY 11725-2409 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 PLUM TREE LN, COMMACK, NY 11725-2409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231460051 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 23146/51 |
| Instrument | DL012274 |
| Name | CROSS COUNTRY LENDERS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | May 21, 2019 |
| Property Address | 20 PLUM TREE LN, COMMACK, NY 11725-2409 |
| Document Number | 0130120861 |
| Book / Page | 13012 / 861 |
| Instrument Date | May 6, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 | $5,105 (-) Land $335 Building $4,770 | $638,125 (+10,774.66%) Land $41,875 Building $596,250 | |
| 2024 | $14,091.00 | ||
| 2023 | $5,105 Land $335 Building $4,770 | $5,868 Land $385 Building $5,483 |
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 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 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 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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