Suffolk County and Smithtown Town property record for 32 Peppermint Rd, Commack, NY 11725 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,964 sqft · built 1964 |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $610,000 (Jul 2018) |
| Tax Bill | $16,020 (2024) |
| Deeds & Mortgages | Jul 2020 Construction Loan May 2020 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 41.-2-32 |
| Primary APN | 473489 41.-2-32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,964 sqft Living Area |
| 1st Floor Area | 1,316 sqft |
| Basement Area | 648 sqft |
| Finished Basement | 648 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 25,700 sqft (0.59 acres) |
| View / Lot | Suburban |
| Garage Type | Basement |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 32 PEPPERMINT RD |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-1021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 13-526176 TC-52 *3718 LOT 35 NORTH RIDGE ESTATES SEC 1 |
| Legal Subdivision | NORTH RDG ESTS SEC #1 |
| Legal Block | 2 |
| Legal Lot Number | 32 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 135101 |
Source: Suffolk County and Smithtown Town records · APN 473489 41.-2-32
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 | 32 PEPPERMINT RD, COMMACK, NY 11725-1021 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2020 | Deed of Trust, Mortgage · Construction Mortgage HSBC BANK USA |
| May 22, 2020 | Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI HSBC BK USA NA |
| Jul 24, 2018 | Deed, Transfer |
| Dec 01, 2016 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 24, 2018 · Amount on Record |
| Deed Sale | Jul 24, 2018 · Amount on Record |
| Prior Sale | Jan 21, 2004 · Amount on Record |
| Deed Book / Page | 12970 / 802 |
| Prior Transfer Date | Sep 04, 2003 |
| Prior Transfer Doc | 0122780933 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 32 PEPPERMINT RD, COMMACK, NY 11725-1021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231550726 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 23155/726 |
| Instrument | DL016883 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 32 PEPPERMINT RD, COMMACK, NY 11725-1021 |
| Document Number | 0231550727 |
| Instrument Date | May 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 32 PEPPERMINT RD COMMACK NY 117251021, COMMACK, NY 11725-1021 |
| Document Number | 0231550727 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 023155/000727 |
| Name | HSBC BK USA NA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10018 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jul 24, 2018 |
| Property Address | 32 PEPPERMINT RD, COMMACK, NY 11725-1021 |
| Document Number | 0129700802 |
| Book / Page | 12970 / 802 |
| Instrument Date | Jun 25, 2018 |
| 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 |
|---|---|
| Address | 3 POSSUNT LN, EAST SETAUKET, NY 11733 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 32 PEPPERMINT RD, COMMACK, NY 11725-1021 |
| Document Number | 0227860956 |
| Book / Page | 022786 / 000956 |
| Instrument Date | Dec 01, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2017 |
| Name | Verified Name |
|---|---|
| Address | 32 PEPPERMINT RD COMMACK NY 117251021, COMMACK, NY 11725-1021 |
| Document Number | 0227860956 |
|---|---|
| Date | Feb 06, 2017 |
| Book Page | 022786/000956 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Smithtown Town |
| Unified School District | Commack Union Free School District (PK - 12) |
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 | $6,799 (+11.19%) Land $500 Building $6,299 | $849,875 (+11,990.98%) Land $62,500 Building $787,375 | |
| 2024 | $16,020.00 | ||
| 2023 | $6,115 Land $500 Building $5,615 | $7,029 Land $575 Building $6,454 |
Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031351011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low above 5% of the US · above 6% of New York |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 259 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Optimum Communications | Fiber | 8,000 / 8,000 |
| Verizon | Fiber | 2,300 / 2,300 |
| Optimum Communications | Cable | 940 / 35 |
May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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