Suffolk County and Smithtown Town property record for 24 Delaware Ave, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 982 sqft · built 1957 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Jan 2005) |
| Tax Bill | $9,731 (2024) |
| Deeds & Mortgages | Mar 2020 Refinance May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 145.-1-40 |
| Primary APN | 473489 145.-1-40 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 982 sqft Living Area |
| Gross Area | 1,452 sqft |
| 1st Floor Area | 982 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 10,890 sqft (0.25 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 470 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 24 DELAWARE AVE |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-5015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-174401 TC-52 *2586 SEC 1 LOT 41 BIRCHWOOD GARDENS |
| Legal Block | 1 |
| Legal Lot Number | 40 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 135205 |
Source: Suffolk County and Smithtown Town records · APN 473489 145.-1-40
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 | 24 DELAWARE AVE, COMMACK, NY 11725-5015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 03, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION |
| May 13, 2020 | Deed of Trust, Mortgage · Balloon Mortgage JOVIA FINANCIAL CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 07, 2005 · Amount on Record |
| Deed Sale | Jan 07, 2005 · Amount on Record |
| Prior Sale | Sep 12, 2000 · Amount on Record |
| Deed Book / Page | 12364 / 638 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 24 DELAWARE AVE, COMMACK, NY 11725-5015 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231110587 |
|---|---|
| Date | Mar 03, 2020 |
| Book Page | 23111/587 |
| Instrument | DK043695 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 24 DELAWARE AVE, COMMACK, NY 11725-5015 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231340983 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 23134/983 |
| Instrument | DL006602 |
| Name | JOVIA FINANCIAL CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $3,850 (-) Land $300 Building $3,550 | $481,250 (+10,775.71%) Land $37,500 Building $443,750 | |
| 2024 | $9,731.00 | ||
| 2023 | $3,850 Land $300 Building $3,550 | $4,425 Land $345 Building $4,080 |
Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), as of September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031352051, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (1980–1985) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Aug 1985 · tidal / storm surge |
| Wildfire Risk | Low lower than 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 136 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NY5110526, 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 |
| 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.
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