Suffolk County and Smithtown Town property record for 31 Tyram Ln, Commack, NY 11725
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2.5 ba · 2,354 sqft · built 1994 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $15,858 (2024) |
| Deeds & Mortgages | Nov 2018 Mortgage Dec 2016 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 65.-1-13 |
| Primary APN | 473489 65.-1-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,354 sqft Living Area |
| Gross Area | 2,491 sqft |
| 1st Floor Area | 1,667 sqft |
| 2nd Floor Area | 687 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,632 sqft (0.29 acres) |
| Porch | Covered Porch |
| Porch Area | 137 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 31 TYRAM LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-1318 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 12-483826 TC-52 *2762 LOT 464 MAYFAIR ESTS SEC I |
| Legal Subdivision | MAYFAIR ESTS SEC 1 |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2018 |
| 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 | 31 TYRAM LN, COMMACK, NY 11725-1318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 26, 2018 | Deed of Trust, Mortgage MR COOPER |
| Dec 30, 2016 | Deed of Trust, Mortgage · Conventional Mortgage GREENLIGHT LOANS |
| Feb 15, 2017 | Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI GREENLIGHT LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 31 TYRAM LN, COMMACK, NY 11725-1318 |
| Document Number | 0229870515 |
| Instrument Date | Nov 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 31 TYRAM LN COMMACK NY 117251318, COMMACK, NY 11725-1318 |
| Document Number | 0229870515 |
|---|---|
| Date | Dec 10, 2018 |
| Book Page | 022987/000515 |
| Name | MR COOPER |
|---|---|
| Address | 8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 9, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 31 TYRAM LN, COMMACK, NY 11725-1318 |
| Document Number | 0227880774 |
| Instrument Date | Dec 30, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2017 |
| Title Company | SANDS ABSTRACT LLC, SANDS ABS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 31 TYRAM LN COMMACK NY 117251318, COMMACK, NY 11725-1318 |
| Document Number | 0227880774 |
|---|---|
| Date | Feb 15, 2017 |
| Book Page | 022788/000774 |
| Name | GREENLIGHT LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 14, 2037 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Feb 15, 2017 |
| Property Address | 31 TYRAM LN, COMMACK, NY 11725-1318 |
| Document Number | 0227880775 |
| Book / Page | 022788 / 000775 |
| Instrument Date | Dec 30, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | SANDS ABSTRACT LLC, SANDS ABS LLC |
| Name | Verified Name |
|---|---|
| Address | 31 TYRAM LN COMMACK NY 117251318, COMMACK, NY 11725-1318 |
| Document Number | 227880775 |
|---|---|
| Date | Feb 15, 2017 |
| Book Page | 022788/000775 |
| Name | GREENLIGHT LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVINE, CA 92612 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 14, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
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 | $6,440 (-) Land $360 Building $6,080 | $805,000 (+10,773.97%) Land $45,000 Building $760,000 | |
| 2024 | $15,858.00 | ||
| 2023 | $6,440 Land $360 Building $6,080 | $7,403 Land $414 Building $6,989 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 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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