Suffolk County and Smithtown Town property record for 21 Chatham Rd, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,870 sqft · built 1964 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $221,000 (May 1997) |
| Tax Bill | $13,659 (2024) |
| Deeds & Mortgages | Nov 2017 Refinance Apr 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 92.-3-19 |
| Primary APN | 473489 92.-3-19 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,870 sqft Living Area |
| Gross Area | 2,035 sqft |
| 1st Floor Area | 1,328 sqft |
| Basement Area | 542 sqft |
| Finished Basement | 542 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Raised Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 10,019 sqft (0.23 acres) |
| View / Lot | Suburban |
| Garage Type | Basement |
| Porch | Screened Porch |
| Porch Area | 253 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 21 CHATHAM RD |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-223276 TC-52 *3646 LOT 9 CHATHAM WOODS SEC 1 |
| Legal Block | 3 |
| Legal Lot Number | 19 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 135103 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 21 CHATHAM RD, COMMACK, NY 11725-2502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU |
| Apr 28, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU |
| Mar 16, 2020 | Deed of Trust, Mortgage · Line of Credit BETH PAGE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 1997 · Amount on Record |
| Deed Sale | May 15, 1997 · Amount on Record |
| Deed Book / Page | 11830 / 646 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 21 CHATHAM RD, COMMACK, NY 11725-2502 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAND BOUND |
| Name | Verified Name |
|---|
| Document Number | 0228730473 |
|---|---|
| Date | Nov 14, 2017 |
| Book Page | 22873/473 |
| Instrument | 17-0201276 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Dec 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 21 CHATHAM RD, COMMACK, NY 11725-2502 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231300365 |
|---|---|
| Date | Apr 28, 2020 |
| Book Page | 23130/365 |
| Instrument | DL004394 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 21 CHATHAM RD, COMMACK, NY 11725-2502 |
| Document Number | 0231300389 |
| Instrument Date | Mar 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 21 CHATHAM RD COMMACK NY 117252502, COMMACK, NY 11725-2502 |
| Document Number | 0231300389 |
|---|---|
| Date | Apr 28, 2020 |
| Book Page | 023130/000389 |
| Name | BETH PAGE FCU |
|---|---|
| Type | Credit Union |
| Address | BETHPAGE, NY 11714 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $5,330 (-) Land $300 Building $5,030 | $666,250 (+10,774%) Land $37,500 Building $628,750 | |
| 2024 | $13,659.00 | ||
| 2023 | $5,330 Land $300 Building $5,030 | $6,127 Land $345 Building $5,782 |
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 Claims | 1 (1992) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 1992 · Coastal Storm, High Tides, Heavy Rain, & 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 98% of the US · lower than 97.9% 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 386 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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