Suffolk County and Smithtown Town property record for 20 Terry Ln, Commack, NY 11725 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,217 sqft · built 1960 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Nov 1993) |
| Tax Bill | $14,807 (2024) |
| Deeds & Mortgages | Sep 2018 Refinance Oct 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 88.-1-20 |
| Primary APN | 473489 88.-1-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,217 sqft Living Area |
| Gross Area | 2,267 sqft |
| 1st Floor Area | 1,217 sqft |
| Basement Area | 546 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,068 sqft (0.3 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 375 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 800 sqft |
|---|---|
| Porch | Covered Porch |
| Porch Area | 343 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 20 TERRY LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-181576 TC-52 *2419 SEC 2 LOT 228 BIRCHWOOD PARK AT COMMACK |
| Legal Subdivision | SUBDIVISION MAP BAYVIEW WOODS ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 20 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 135101 |
Source: Suffolk County and Smithtown Town records · APN 473489 88.-1-20
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 TERRY LN, COMMACK, NY 11725-2015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Oct 21, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 1993 · Amount on Record |
| Deed Sale | Nov 16, 1993 · Amount on Record |
| Deed Book / Page | 11652 / 122 |
| Last Transfer Date | Nov 01, 2024 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 TERRY RD, SMITHTOWN, NY 11787 |
| Transaction Type | Mortgage |
| Record Updated | Sep 02, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0229600321 |
|---|---|
| Date | Sep 17, 2018 |
| Book Page | 22960/321 |
| Instrument | 18-0173449 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 277 Months |
| Due | Oct 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 20 TERRY RD, SMITHTOWN, NY 11787 |
| Document Number | 0231930810 |
| Instrument Date | Oct 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 01, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20 TERRY LN COMMACK NY 117252015, COMMACK, NY 11725-2015 |
| Document Number | 0231930810 |
|---|---|
| Date | Nov 11, 2020 |
| Book Page | 023193/000810 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 10, 2045 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,375 (-) Land $310 Building $5,065 | $671,875 (+10,775.28%) Land $38,750 Building $633,125 | |
| 2024 | $14,807.00 | ||
| 2023 | $5,375 Land $310 Building $5,065 | $6,178 Land $356 Building $5,822 |
Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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