Suffolk County and Smithtown Town property record for 31 Apple Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $465,000 (Sep 2005) |
| Tax Bill | $9,876 (2024) |
| Deeds & Mortgages | Feb 2023 Line of Credit Jan 2016 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 121.-1-18 |
| Primary APN | 473489 121.-1-18 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,890 sqft (0.25 acres) |
|---|
| Street Address | 31 APPLE LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-3632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 19-759801 TC-57 *2666 LOT 50 SMITHTOWN WOODS |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 135500 |
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 | 31 APPLE LN, COMMACK, NY 11725-3632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 1, 2016 | Loan Modification, Mortgage · Conventional Mortgage BANK OF NY MELLON |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 13, 2005 · Amount on Record |
| Deed Sale | Sep 13, 2005 · Amount on Record |
| Deed Book / Page | 12409 / 50 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 31 APPLE LN, COMMACK, NY 11725-3632 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0234840428 |
|---|---|
| Date | Feb 17, 2023 |
| Book Page | 23484/428 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 277 Months |
| Due | Mar 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 31 APPLE LN, COMMACK, NY 11725-3632 |
| Document Number | 0227970547 |
| Book / Page | 022797 / 000547 |
| Instrument Date | Jan 1, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | SINGLESOURCE PROPERTY SOLUTION |
| Name | Verified Name |
|---|---|
| Address | 31 APPLE LN COMMACK NY 117253632, COMMACK, NY 11725-3632 |
| Document Number | 0227970547 |
|---|---|
| Date | Mar 13, 2017 |
| Book Page | 022797/000547 |
| Name | BANK OF NY MELLON |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10286 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 216 Months |
| Due | Mar 12, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2% |
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 | Hauppauge Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,000 (-) Land $300 Building $4,700 | $625,000 (+10,775.24%) Land $37,500 Building $587,500 | |
| 2024 | $9,876.00 | ||
| 2023 | $5,000 Land $300 Building $4,700 | $5,747 Land $345 Building $5,402 |
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 | 6 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 96% of the US · lower than 95% 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 366 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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