Suffolk County and Smithtown Town property record for 21 Arden Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $670,000 (Apr 2023) |
| Tax Bill | $14,303 (2024) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 64.-2-63 |
| Primary APN | 473489 64.-2-63 |
|---|---|
| Alternative APNs |
|
| Lot Area | 13,504 sqft (0.31 acres) |
|---|
| Street Address | 21 ARDEN LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-1301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12-488776 TC-52 *2764 SEC K LOT 662 MAYFAIR ESTS |
| Legal Block | 2 |
| Legal Lot Number | 63 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 135102 |
21 Arden Ln is owner-occupied and held in a trust since February 2026.
Source: Suffolk County and Smithtown Town records, as of September 30, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 21 ARDEN LN, COMMACK, NY 11725-1301 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING |
| Mar 19, 2026 | Deed, Transfer |
| Apr 19, 2023 | Deed, Transfer · Stand-Alone First Mortgage CLIFFCO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2023 · Amount on File |
| Deed Sale | Apr 19, 2023 · Amount on File |
| Deed Book / Page | 13197 / 976 |
| Last Transfer Date | Feb 12, 2026 |
| Transfer Doc | 0133290906 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Aug 18, 2026 |
| Property Address | 21 ARDEN LN, COMMACK, NY 11725-1301 |
| Document Number | 2374000575 |
| Book / Page | 23745 / 575 |
| Instrument Date | Apr 23, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2374000575, |
|---|---|
| Date | Aug 18, 2026 |
| Book Page | 23745/575 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Mar 19, 2026 |
| Property Address | 21 ARDEN LN, COMMACK, NY 11725-1301 |
| Document Number | 0133290906 |
| Book / Page | 13329 / 906 |
| Instrument Date | Feb 12, 2026 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 21 ARDEN LN, COMMACK, NY 11725-1301 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Apr 19, 2023 |
| Property Address | 21 ARDEN LN, COMMACK, NY 11725-1301 |
| Document Number | 0131970976 |
| Book / Page | 13197 / 976 |
| Instrument Date | Nov 7, 2022 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| 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 | 7851 74TH ST, GLENDALE, NY 11385-7427 |
| Document Number | 0023500803 |
|---|---|
| Date | Apr 19, 2023 |
| Instrument | 23500/803 |
| Name | CLIFFCO INC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
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 | $10,000 Land $320 Building $9,680 | $1,250,000 Land $40,000 Building $1,210,000 | |
| 2024 | $14,303.00 | ||
| 2023 | $5,185 (-) Land $320 Building $4,865 | $5,960 (+12.64%) Land $368 Building $5,592 | |
| 2022 | Homeowner's exemption | $5,185 Land $320 Building $4,865 | $5,291 Land $327 Building $4,964 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 21 Arden Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.
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 | 4 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2007 · rainfall accumulation |
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.
The area around 21 Arden Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 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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