28 Pebble Pl, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 28 Pebble Pl, Commack, NY 11725

Property Summary

Property Type	Single Family Home
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,500 (Jul 1994)
Tax Bill	$17,461 (2024)
Deeds & Mortgages	Nov 2021 Refinance May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473489 62.-4-23`

Property Details

APN / Parcel Number

Primary APN	`473489 62.-4-23`
Alternative APNs	`0800-062.00-04.00-023.000` `348906200000040230000000` `47340015847`

Exterior

Lot Area	11,326 sqft (0.26 acres)

Location & Zoning

Street Address	28 PEBBLE PL
City	COMMACK
State	NY
Zip	11725-1514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5-209601 TC-52 *3473 SEC 7 LOT 307 BURR WINKLE
Legal Subdivision	MAP LAKE HILLS ACREAGE UNIT C
Legal Block	4
Legal Lot Number	23
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2020
Census Tract	135101

Owner

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 PEBBLE PL, COMMACK, NY 11725-1514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU
May 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage BETHPAGE FCU
May 4, 2017	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 1994 · Amount on Record
Deed Sale	Jul 27, 1994 · Amount on Record
Deed Book / Page	11687 / 104
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	28 PEBBLE PL, COMMACK, NY 11725-1514
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233410203
Date	Nov 1, 2021
Book Page	23341/203
Instrument	DM044007

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	28 PEBBLE PL, COMMACK, NY 11725-1514
Document Number	0228460050
Instrument Date	May 4, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	LAND BOUND SERVICES LLC, LAND BOUND

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 PEBBLE PL COMMACK NY 117251514, COMMACK, NY 11725-1514

Mortgage

Document Number	0228460050
Date	Aug 18, 2017
Book Page	022846/000050

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 17, 2037

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	28 PEBBLE PL, COMMACK, NY 11725-1514
Document Number	0228460051
Instrument Date	May 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	LAND BOUND SERVICES LLC, LAND BOUND

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 PEBBLE PL COMMACK NY 117251514, COMMACK, NY 11725-1514

Mortgage

Document Number	0228460051
Date	Aug 18, 2017
Book Page	022846/000051

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Smithtown Town
Unified School District	Commack Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$6,375 (-) Land $300 Building $6,075	$796,875 (+10,774.39%) Land $37,500 Building $759,375
2024	$17,461.00
2023		$6,375 Land $300 Building $6,075	$7,328 Land $345 Building $6,983

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	4 in force
Nearby Flood Claims	2 (1979–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2023 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 455 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

May also be available: T-Mobile.

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