Suffolk County and Huntington Town property record for 3 Ulster Ct, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $670,000 (Jul 2022) |
| Tax Bill | $12,296 (2024) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Nov 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0400-225.00-03.00-022.000 |
| Primary APN | 0400-225.00-03.00-022.000 |
|---|---|
| Alternative APNs |
|
| Lot Area | 8,712 sqft (0.2 acres) |
|---|
| Street Address | 3 ULSTER CT |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-4512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R7 |
| Legal Description | BLK LOT |
| Legal Subdivision | BIRCHWOOD/COMMACK |
| Legal Block | 300 |
| Legal Lot Number | 22 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | HUNTINGTON |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 112103 |
Source: Suffolk County and Huntington 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 ULSTER CT, COMMACK, NY 11725-4512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2022 | Deed, Transfer · Stand-Alone First Mortgage EMBRACE HOME LOANS INC |
| Nov 23, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Oct 6, 2020 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Sep 6, 2017 | Grant Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2022 · Amount on Record |
| Deed Sale | Jul 13, 2022 · Amount on Record |
| Prior Sale | Sep 6, 2017 · Amount on Record |
| Deed Book / Page | 13164 / 624 |
| Prior Transfer Date | Jul 15, 2016 |
| Prior Transfer Doc | 0128860512 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jul 13, 2022 |
| Property Address | 3 ULSTER CT, COMMACK, NY 11725-4512 |
| Document Number | 0131640624 |
| Book / Page | 13164 / 624 |
| Instrument Date | Jun 6, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 57 STUART LN # 163, 163, LITTLE NECK, NY 11363 |
| Document Number | 0023437879 |
|---|---|
| Date | Jul 13, 2022 |
| Instrument | 23437/879 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 3 ULSTER CT, COMMACK, NY 11725-4512 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231990528 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 23199/528 |
| Instrument | 37341 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 3 ULSTER CT, COMMACK, NY 11725-4512 |
| Document Number | 0231990529 |
| Instrument Date | Oct 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3 ULSTER CT COMMACK NY 117254512, COMMACK, NY 11725-4512 |
| Document Number | 0231990529 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 023199/000529 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 22, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Sep 6, 2017 |
| Property Address | 3 ULSTER CT, COMMACK, NY 11725-4512 |
| Document Number | 0129280297 |
| Book / Page | 012928 / 000297 |
| Instrument Date | Aug 8, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2018 |
| Title Company | JUDICIAL TITLE INSURANCE AGENCY INC, THE JUDICIAL TITLE INSURANCE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,596.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 17 ULSTER CT COMMACK NY 117254512, COMMACK, NY 11725-4512 |
| Document Number | 228510969 |
|---|---|
| Date | Sep 6, 2017 |
| Book Page | 022851/000969 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 5, 2047 |
Source: Suffolk County and Huntington Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Huntington Town |
| Unified School District | Commack Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,755 (-) Land $300 Building $2,455 | $612,223 (+10,789.77%) Land $66,667 Building $545,556 | |
| 2024 | $12,296.00 (+4.83%) | $5,622 (+12.24%) Land $612 Building $5,010 | |
| 2023 | $2,755 (-) Land $300 Building $2,455 | $5,009 (+16.35%) Land $545 Building $4,464 | |
| 2022 | $11,730.00 | $2,755 Land $300 Building $2,455 | $4,305 Land $469 Building $3,836 |
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 |
| Nearby Flood Claims | 5 (1979–1981) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Feb 1981 · 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 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 266 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 |
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