20 Smiths Ln, Commack, NY 11725 Property Records

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

Property Summary

Property Type	Single Family Home
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Tax Bill	$20,230 (2024)
Deeds & Mortgages	May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`473489 119.-2-16`

Property Details

APN / Parcel Number

Primary APN	`473489 119.-2-16`
Alternative APNs	`0800-119.00-02.00-016.000` `348911900000020160000000` `47340028075`

Exterior

Lot Area	16,117 sqft (0.37 acres)

Location & Zoning

Street Address	20 SMITHS LN
City	COMMACK
State	NY
Zip	11725-3525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14-562976 TC-52 *3007 LOT 155 PICKWICK PARK SEC 4
Legal Subdivision	PICKWICK PK SEC #4
Legal Block	2
Legal Lot Number	16
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1014
Census Tract	135201

Owner

Source: Suffolk County and Smithtown Town records · APN 473489 119.-2-16

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 SMITHS LN, COMMACK, NY 11725-3525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Recording Date	May 05, 2026
Property Address	20 SMITHS LN, COMMACK, NY 11725-3525
Document Number	2372000234
Book / Page	23725 / 234
Instrument Date	Apr 09, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SMITHS LN, COMMACK, NY 11725-3525

Mortgage

Document Number	0237250234,
Date	May 05, 2026
Book Page	23725/234

Lender

Name	SUFFOLK FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$6,370 (-14.13%) Land $3 Building $6,367	$796,250 (+9,239.08%) Land $375 Building $795,875
2024	$20,230.00
2023		$7,418 Land $375 Building $7,043	$8,526 Land $431 Building $8,095

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1981–1984)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 1984 · tidal / storm surge

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 94% 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.

Internet Providers

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	980 / 880

Based on FCC filings for 390 locations within half a mile of this property.

Drinking Water

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

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 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.