28 Terry Ln, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 28 Terry Ln, Commack, NY 11725

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 1958
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$382,000 (Feb 2017)
Tax Bill	$14,555 (2024)
Deeds & Mortgages	Sep 2021 Refinance Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`473489 88.-4-52`

Property Details

APN / Parcel Number

Primary APN	`473489 88.-4-52`
Alternative APNs	`0800-088.00-04.00-052.000` `348908800000040520000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Living Area
Gross Area	2,077 sqft
1st Floor Area	950 sqft
2nd Floor Area	896 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	231 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	28 TERRY LN
City	COMMACK
State	NY
Zip	11725-2029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	88.-4-52 *2419 SEC 2 LOT 224 BIRCHWOOD PARK AT COMMACK
Legal Block	4
Legal Lot Number	52
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2023
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 TERRY LN, COMMACK, NY 11725-2029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
Feb 22, 2017	Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2017 · Amount on Record
Deed Sale	Feb 22, 2017 · Amount on Record
Deed Book / Page	12901 / 755
Prior Transfer Date	May 30, 2013
Prior Transfer Doc	0127390832
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	28 TERRY LN, COMMACK, NY 11725-2029
Transaction Type	Mortgage
Record Updated	Oct 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233230354
Date	Sep 10, 2021
Book Page	23323/354
Instrument	DM033838

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

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

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Feb 22, 2017
Property Address	28 TERRY LN, COMMACK, NY 11725-2029
Document Number	0129010755
Book / Page	012901 / 000755
Instrument Date	Jan 13, 2017
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	EAGLE ABSTRACT CORPORATION, EAGLE ABSTRACT CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,528.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 SIRACUSA BLVD SMITHTOWN NY 117873009, SMITHTOWN, NY 11787-3009

Mortgage

Document Number	227910061
Date	Feb 22, 2017
Book Page	022791/000061

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2047

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		$5,280 (-) Land $340 Building $4,940	$660,000 (+10,774.94%) Land $42,500 Building $617,500
2024	$14,555.00
2023		$5,280 Land $340 Building $4,940	$6,069 Land $391 Building $5,678

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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