Suffolk County and Smithtown Town property record for 25 Shinbone Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $17,833 (2024) |
| Deeds & Mortgages | Jun 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 176.-2-14 |
| Primary APN | 473489 176.-2-14 |
|---|---|
| Alternative APNs |
|
| Lot Area | 25,265 sqft (0.58 acres) |
|---|
| Street Address | 25 SHINBONE LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-5510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3-98378 TC-52 URBAN ETAL EINSIDLER&MAP QNS FAIR WDSHINBONE L |
| Legal Block | 2 |
| Legal Lot Number | 14 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 135205 |
25 Shinbone Ln is owned and occupied by two individuals.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 25 SHINBONE LN, COMMACK, NY 11725-5510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 25 SHINBONE LN, COMMACK, NY 11725-5510 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0232870901 |
|---|---|
| Date | Jun 15, 2021 |
| Book Page | 23287/901 |
| Instrument | DM017195 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2041 |
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 | $6,690 Land $270 Building $6,420 | $836,250 Land $33,750 Building $802,500 | |
| 2024 | $17,833.00 | ||
| 2023 | $6,515 Land $270 Building $6,245 | $7,488 Land $310 Building $7,178 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 25 Shinbone Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.
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 | 8 in force |
| Nearby Flood Claims | 5 (1981–2015) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 2015 · 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.
Wildfire risk around 25 Shinbone Ln is low, with less than a 0.01% annual chance of wildfire.
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 | 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 66 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 |
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