33 Saratoga St, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 33 Saratoga St, Commack, NY 11725

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,528 sqft · built 1959
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (May 1999)
Tax Bill	$16,572 (2024)
Deeds & Mortgages	Oct 2018 Refinance May 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`473489 117.-1-47`

Property Details

APN / Parcel Number

Primary APN	`473489 117.-1-47`
Alternative APNs	`0800-117.00-01.00-047.000` `348911700000010470000000` `47340027424`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,528 sqft Living Area
Gross Area	2,018 sqft
1st Floor Area	841 sqft
2nd Floor Area	687 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	10,890 sqft (0.25 acres)
View / Lot	Suburban
Garage Type	Attached
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	50 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	33 SARATOGA ST
City	COMMACK
State	NY
Zip	11725-4033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4-171101 TC-52 *2806 LOT 341 BIRCHWOOD AT COMMACK SEC
Legal Block	1
Legal Lot Number	47
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	1
Census Block	1019
Census Tract	135205

Owner

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	33 SARATOGA ST, COMMACK, NY 11725-4033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance CITIBANK NA
May 4, 2020	Grant Deed, Transfer NOT AVAILABLE
Sep 8, 2018	Loan Modification, Consolidation and Extension, Mortgage · Line of Credit CITIBANK
Mar 8, 2018	Loan Modification, Consolidation and Extension, Mortgage · Line of Credit CITIBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 1999 · Amount on Record
Deed Sale	May 10, 1999 · Amount on Record
Prior Sale	Aug 29, 1995 · Amount on Record
Deed Book / Page	11962 / 7
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	33 SARATOGA ST, COMMACK, NY 11725-4033
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0229710032
Date	Oct 22, 2018
Book Page	22971/32
Instrument	18-0197810

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	May 4, 2020
Property Address	33 SARATOGA ST, COMMACK, NY 11725-4033
Document Number	0130570658
Book / Page	013057 / 000658
Instrument Date	Apr 7, 2020
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$2,440.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 BLUE POINT RD FARMINGVILLE NY 117381802, FARMINGVILLE, NY 11738-1802

September 2018: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	33 SARATOGA ST, COMMACK, NY 11725-4033
Document Number	0229790996
Instrument Date	Sep 8, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 SARATOGA ST COMMACK NY 117254033, COMMACK, NY 11725-4033

Mortgage

Document Number	0229790996
Date	Nov 23, 2018
Book Page	022979/000996

Lender

Name	CITIBANK
Type	Bank
Address	701 E 60TH ST N, SIOUX FALLS, SD 57104-0432

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 22, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%

March 2018: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	33 SARATOGA ST, COMMACK, NY 11725-4033
Document Number	0229710033
Instrument Date	Mar 8, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 SARATOGA ST COMMACK NY 117254033, COMMACK, NY 11725-4033

Mortgage

Document Number	0229710033
Date	Oct 22, 2018
Book Page	022971/000033

Lender

Name	CITIBANK
Type	Bank
Address	701 E 60TH ST N, SIOUX FALLS, SD 57104-0432

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$6,040 (-) Land $300 Building $5,740	$755,000 (+10,774.26%) Land $37,500 Building $717,500
2024	$16,572.00
2023		$6,040 Land $300 Building $5,740	$6,943 Land $345 Building $6,598

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

Flood

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	1 in force
Nearby Flood Claims	4 (1980–1985)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Aug 1985 · tidal / storm surge

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 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

May also be available: T-Mobile.

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