3 Val Ct, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 3 Val Ct, Commack, NY 11725 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Lot Size	12,197 sqft (0.28 acres)
Occupancy	Owner Occupied
Last Sale	$270,000 (2013)
Tax Bill	$8,764.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`473489 178.-2-64`
Alternative APNs	`0800-178.00-02.00-064.000` `348917800000020640000000` `47340040413`

Exterior

Lot Area	12,197 sqft (0.28 acres)

Location & Zoning

Street Address	3 VAL CT
City	COMMACK
State	NY
Zip	11725-5203
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	21-857351 TC-52 *3809 LOT 408 VALMONT VILLAGE SEC 9
Legal Block	2
Legal Lot Number	64
Jurisdiction	SUFFOLK NY
Minor Civil Division	SMITHTOWN
Census Blockgroup	3
Census Block	3018
Census Tract	135205

Owner

Source: Suffolk County and Smithtown Town records · APN 473489 178.-2-64

Assessment roll updated August 11, 2026 · Last verified August 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 File
Mailing Address	3 VAL CT, COMMACK, NY 11725-5203
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2024	Deed of Trust, Mortgage · Stand Alone Refinance USA ALLIANCE FEDERAL CREDIT UNION
May 02, 2022	Deed of Trust, Mortgage · Stand Alone Refinance INTERCONTINENTAL CAPITAL GROUP INC
Aug 01, 2019	Deed of Trust, Mortgage · Veterans Administration Mortgage NAVY FCU
Oct 12, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 11, 2013 · Amount on Record
Deed Sale	Sep 11, 2013 · Amount on Record
Deed Book / Page	12743 / 777
Prior Transfer Date	Jul 19, 2011
Prior Transfer Doc	0126690810
Record Refreshed	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	3 VAL CT, COMMACK, NY 11725-5203
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0235730215
Date	Mar 13, 2024
Book Page	23573/215

Lender

Name	USA ALLIANCE FEDERAL CREDIT UNION

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 01, 2044

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	3 VAL CT, COMMACK, NY 11725-5203
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234120721
Date	May 02, 2022
Book Page	23412/721
Instrument	DN006392

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jun 01, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	3 VAL CT, COMMACK, NY 11725-5203
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230470199
Date	Aug 01, 2019
Book Page	23047/199
Instrument	DK014497

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	169 Months
Due	Sep 01, 2033

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	3 VAL CT, COMMACK, NY 11725-5203
Document Number	0228710189
Book / Page	022871 / 000189
Instrument Date	Oct 12, 2017
Transaction Type	Mortgage
Record Updated	Dec 06, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 VAL CT COMMACK NY 117255203, COMMACK, NY 11725-5203

Mortgage

Document Number	0228710189
Date	Nov 06, 2017
Book Page	022871/000189

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 05, 2057

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$7,672 (+78%) Land $300 Building $7,372	$959,000 (+19,258.09%) Land $37,500 Building $921,500
2024	$8,764.00
2023		$4,310 Land $300 Building $4,010	$4,954 Land $345 Building $4,609

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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