Suffolk County and Smithtown Town property record for 3 Cross Bow Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,780 sqft · built 1992 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $875,000 (Feb 2020) |
| Tax Bill | $23,951 (2024) |
| Deeds & Mortgages | Feb 2020 Sale Jun 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 60.-1-19 |
| Primary APN | 473489 60.-1-19 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,780 sqft Living Area |
| Gross Area | 4,180 sqft |
| 1st Floor Area | 2,499 sqft |
| 2nd Floor Area | 1,281 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 21,780 sqft (0.5 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 800 sqft |
| Pool House | 121 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 3 CROSS BOW LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-1204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 19-766901 TC-52 *3142 LOT 25 SPRUCE RIDGE SEC 1 |
| Legal Subdivision | SPRUCE RDG |
| Legal Block | 1 |
| Legal Lot Number | 19 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 135101 |
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3 CROSS BOW LN, COMMACK, NY 11725-1204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2020 | Deed, Transfer |
| Jun 12, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Oct 23, 2017 | Deed of Trust, Mortgage · Line of Credit TEACHERS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2020 · Amount on Record |
| Deed Sale | Feb 24, 2020 · Amount on Record |
| Prior Sale | Jul 25, 2016 · Amount on Record |
| Deed Book / Page | 13049 / 24 |
| Prior Transfer Date | Apr 10, 2019 |
| Prior Transfer Doc | 0130150152 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Feb 24, 2020 |
| Property Address | 3 CROSS BOW LN, COMMACK, NY 11725-1204 |
| Document Number | 0130490024 |
| Book / Page | 13049 / 24 |
| Instrument Date | Dec 6, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jun 12, 2019 |
| Property Address | 3 CROSS BOW LN, COMMACK, NY 11725-1204 |
| Document Number | 0130150152 |
| Book / Page | 013015 / 000152 |
| Instrument Date | Apr 10, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 CROSS BOW LN COMMACK NY 117251204, COMMACK, NY 11725-1204 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 3 CROSS BOW LN, COMMACK, NY 11725-1204 |
| Document Number | 0228800977 |
| Book / Page | 022880 / 000977 |
| Instrument Date | Oct 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3 CROSS BOW LN COMMACK NY 117251204, COMMACK, NY 11725-1204 |
| Document Number | 0228800977 |
|---|---|
| Date | Dec 5, 2017 |
| Book Page | 022880/000977 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | HAUPPAUGE, NY 11788 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 4, 2042 |
| 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 | Commack Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,820 (-7.01%) Land $500 Building $8,320 | $1,102,500 (+10,011.9%) Land $62,500 Building $1,040,000 | |
| 2024 | $23,951.00 | ||
| 2023 | $9,485 Land $500 Building $8,985 | $10,903 Land $575 Building $10,328 |
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 | 3 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 97% of the US · lower than 96% 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 287 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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