Suffolk County and Smithtown Town property record for 28 Apple Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 992 sqft · built 1957 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $143,000 (Sep 1994) |
| Tax Bill | $7,211 (2024) |
| Deeds & Mortgages | Nov 2022 Refinance Sep 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 121.-1-16 |
| Primary APN | 473489 121.-1-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 992 sqft Living Area |
| Gross Area | 1,209 sqft |
| 1st Floor Area | 992 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 10,890 sqft (0.25 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 217 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 28 APPLE LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-3604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 19-760101 TC-57 *2666 LOT 62 SMITHTOWN WOODS |
| Legal Subdivision | MAP SMITHTOWN WOODS |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 135500 |
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 | 28 APPLE LN, COMMACK, NY 11725-3604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU |
| Sep 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU |
| Nov 2, 2020 | Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 1994 · Amount on Record |
| Deed Sale | Sep 15, 1994 · Amount on Record |
| Deed Book / Page | 11694 / 273 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 28 APPLE LN, COMMACK, NY 11725-3604 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0234600236 |
|---|---|
| Date | Nov 7, 2022 |
| Book Page | 23460/236 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 28 APPLE LN, COMMACK, NY 11725-3604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231690927 |
|---|---|
| Date | Sep 1, 2020 |
| Book Page | 23169/927 |
| Instrument | DL023921 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 28 APPLE LN, COMMACK, NY 11725-3604 |
| Document Number | 0232090700 |
| Instrument Date | Nov 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 28 APPLE LN COMMACK NY 117253604, COMMACK, NY 11725-3604 |
| Document Number | 0232090700 |
|---|---|
| Date | Dec 20, 2020 |
| Book Page | 023209/000700 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Address | BETHPAGE, NY 11714 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 19, 2050 |
| 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 | Hauppauge Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,900 (-) Land $315 Building $3,585 | $487,500 (+10,774.41%) Land $39,375 Building $448,125 | |
| 2024 | $7,211.00 | ||
| 2023 | $3,900 Land $315 Building $3,585 | $4,483 Land $362 Building $4,121 |
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 Policies | 6 in force |
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 96% of the US · lower than 95% 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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