Suffolk County and Smithtown Town property record for 3 Aspatuck Ct, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,573 sqft · built 1997 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $331,500 (Jul 1997) |
| Tax Bill | $22,756 (2024) |
| Deeds & Mortgages | May 2022 Line of Credit Oct 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 43.3-4-20 |
| Primary APN | 473489 43.3-4-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,573 sqft Living Area |
| Gross Area | 3,408 sqft |
| 1st Floor Area | 1,468 sqft |
| 2nd Floor Area | 1,105 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 24,394 sqft (0.56 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 835 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 3 ASPATUCK CT |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-1300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | * TC-52 COUNTRY ESTS @ COMMACK SEC 5 LOT 20 *9673 |
| Legal Block | 4 |
| Legal Lot Number | 20 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 135102 |
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 | 3 ASPATUCK CT, COMMACK, NY 11725-1300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| Oct 25, 2021 | Deed, Transfer |
| Apr 26, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 1997 · Amount on Record |
| Deed Sale | Jul 18, 1997 · Amount on Record |
| Deed Book / Page | 11841 / 807 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 3 ASPATUCK CT, COMMACK, NY 11725-1300 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0234170670 |
|---|---|
| Date | May 15, 2022 |
| Book Page | 23417/670 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 3 ASPATUCK CT, COMMACK, NY 11725-1300 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0233380552 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 23338/552 |
| Instrument | DM041922 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Oct 25, 2021 |
| Property Address | 3 ASPATUCK CT, COMMACK, NY 11725-1300 |
| Document Number | 0131260021 |
| Book / Page | 13126 / 21 |
| Instrument Date | Jul 9, 2021 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 66 STUART LN # 52ND, LITTLE NECK, NY 11363-1613 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 3 ASPATUCK CT, COMMACK, NY 11725-1300 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAND BOUND SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0229200826 |
|---|---|
| Date | Apr 26, 2018 |
| Book Page | 22920/826 |
| Instrument | 18-0077349 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 109 Months |
| Due | May 1, 2027 |
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 | $8,653 (-) Land $550 Building $8,103 | $1,081,625 (+10,774.97%) Land $68,750 Building $1,012,875 | |
| 2024 | $22,756.00 | ||
| 2023 | $8,653 Land $550 Building $8,103 | $9,946 Land $632 Building $9,314 |
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 | 4 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2007 · 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.
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 420 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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