Suffolk County and Smithtown Town property record for 38 Terry Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,131 sqft · built 1957 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $171,500 (Jul 1996) |
| Tax Bill | $16,491 (2024) |
| Deeds & Mortgages | Apr 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 88.-4-47 |
| Primary APN | 473489 88.-4-47 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,131 sqft Living Area |
| Gross Area | 2,612 sqft |
| 1st Floor Area | 950 sqft |
| 2nd Floor Area | 1,181 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Lot Area | 10,019 sqft (0.23 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 481 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 38 TERRY LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-181351 TC-52 *2419 SEC 2 LOT 219 BIRCHWOOD PARK AT COMMACK |
| Legal Block | 4 |
| Legal Lot Number | 47 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 135101 |
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 | 38 TERRY LN, COMMACK, NY 11725-2029 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 1996 · Amount on Record |
| Deed Sale | Jul 23, 1996 · Amount on Record |
| Deed Book / Page | 11783 / 996 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 38 TERRY LN, COMMACK, NY 11725-2029 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0234050978 |
|---|---|
| Date | Apr 15, 2022 |
| Book Page | 23405/978 |
| Instrument | DN003288 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 229 Months |
| Due | May 1, 2041 |
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 | $6,397 (-) Land $300 Building $6,097 | $799,625 (+10,774.81%) Land $37,500 Building $762,125 | |
| 2024 | $16,491.00 | ||
| 2023 | $6,397 Land $300 Building $6,097 | $7,353 Land $345 Building $7,008 |
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 | 4 in force |
| Nearby Flood Claims | 2 (1979–2023) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 2023 · 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 | Not rated no burnable land within 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 455 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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