Suffolk County and Smithtown Town property record for 24 Harvard Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $819,000 (Jan 2026) |
| Tax Bill | $14,940 (2024) |
| Deeds & Mortgages | Jan 2026 Sale Aug 2023 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 92.-4-62 |
| Primary APN | 473489 92.-4-62 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,890 sqft (0.25 acres) |
|---|
| Street Address | 24 HARVARD LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18-699476 TC-52 *2639 SEC 2 LOT 89 SMITHTOWN ESTS |
| Legal Subdivision | SMITHTOWN ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 62 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1011 |
| 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 | 738 CARLYLE AVE, FRANKLIN SQUARE, NY 11010-3317 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 15, 2026 | Quit Claim Deed, Transfer |
| Aug 31, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CONTOUR MORTGAGE CORP |
| Jan 24, 2019 | Deed of Trust, Mortgage · Line of Credit CITIBANK |
| Jan 24, 2019 | Loan Modification, Consolidation and Extension, Mortgage · Line of Credit CITIBANK |
| Mar 28, 2015 | Loan Modification, Consolidation and Extension, Mortgage · Line of Credit CITIBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2026 · Amount on Record |
| Deed Sale | Jan 15, 2026 · Amount on Record |
| Deed Book / Page | 13323 / 166 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jan 15, 2026 |
| Property Address | 24 HARVARD LN, COMMACK, NY 11725-2528 |
| Document Number | 0133230166 |
| Book / Page | 13323 / 166 |
| Instrument Date | Sep 29, 2025 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 738 CARLYLE AVE, FRANKLIN SQUARE, NY 11010-3317 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 24 HARVARD LN, COMMACK, NY 11725-2528 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0235320446 |
|---|---|
| Date | Aug 31, 2023 |
| Book Page | 23532/446 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Sep 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 24 HARVARD LN, COMMACK, NY 11725-2528 |
| Document Number | 0230020964 |
| Instrument Date | Jan 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 24 HARVARD LN COMMACK NY 117252528, COMMACK, NY 11725-2528 |
| Document Number | 0230020964 |
|---|---|
| Date | Feb 8, 2019 |
| Book Page | 023002/000964 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Address | 701 E 60TH ST N, SIOUX FALLS, SD 57104-0432 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 7, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 24 HARVARD LN, COMMACK, NY 11725-2528 |
| Document Number | 0230020965 |
| Instrument Date | Jan 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 24 HARVARD LN COMMACK NY 117252528, COMMACK, NY 11725-2528 |
| Document Number | 0230020965 |
|---|---|
| Date | Feb 8, 2019 |
| Book Page | 023002/000965 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Address | 701 E 60TH ST N, SIOUX FALLS, SD 57104-0432 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 7, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 24 HARVARD LN, COMMACK, NY 11725-2528 |
| Document Number | 0229460265 |
| Instrument Date | Mar 28, 2015 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 24 HARVARD LN COMMACK NY 117252528, COMMACK, NY 11725-2528 |
| Document Number | 0229460265 |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 022946/000265 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Address | 701 E 60TH ST N, SIOUX FALLS, SD 57104-0432 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Jul 29, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
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 | $5,425 (-) Land $300 Building $5,125 | $678,125 (+7.5%) Land $37,500 Building $640,625 | |
| 2024 | $14,940.00 | $5,425 (-) Land $300 Building $5,125 | $630,814 (+10,015.68%) Land $34,884 Building $595,930 |
| 2023 | $5,425 Land $300 Building $5,125 | $6,236 Land $345 Building $5,891 |
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 97% of the US · lower than 96% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 366 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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