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39 Ramsey Rd, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 39 Ramsey Rd, Commack, NY 11725

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,242 sqft · built 1959
Lot Size0.25 acres (10,890 sqft)
Owner2 Individual Names on File
Last Sale$423,500 (Feb 2010)
Tax Bill$14,155 (2024)
Deeds & MortgagesJan 2021 Refinance
Nov 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN473489 63.-4-27

Property Details

APN / Parcel Number

Primary APN473489 63.-4-27
Alternative APNs
  • 0800-063.00-04.00-027.000
  • 348906300000040270000000
  • 47340016046

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,242 sqft Living Area
Gross Area1,732 sqft
1st Floor Area1,242 sqft

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1959
Architectural StyleRanch
Exterior MaterialComposition/Composite
Lot Area10,890 sqft (0.25 acres)
View / LotSuburban
Garage TypeAttached
Garage Area490 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil
SewerConnected
Water SourceCommercial

Location & Zoning

Street Address39 RAMSEY RD
CityCOMMACK
StateNY
Zip11725-1101
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description12-479501 TC-52 *2760 SEC G LOT 291 MAYFAIR ESTS
Legal Block4
Legal Lot Number27
JurisdictionSUFFOLK NY
Township / Civil DivisionSMITHTOWN
Census Block Group2
Census Block2024
Census Tract135102

Owner

39 Ramsey Rd is owned and occupied by two individuals who bought it in February 2010.

Source: Suffolk County and Smithtown Town records, as of August 11, 2026

Owner of Record2 Individual Names on File
Mailing Address39 RAMSEY RD, COMMACK, NY 11725-1101
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jan 21, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
NATIONWIDE MORTGAGE BANKERS
Nov 16, 2018Deed of Trust, Mortgage · Balloon Mortgage
BETHPAGE FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 2, 2010 · Amount on File
Deed SaleFeb 2, 2010 · Amount on File
Deed Book / Page12615 / 236
Record UpdatedSep 20, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUFFOLK NY
Property Address39 RAMSEY RD, COMMACK, NY 11725-1101
Transaction TypeMortgage
Record UpdatedFeb 23, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0232210658
DateJan 21, 2021
Book Page23221/658
InstrumentDL049003
Lender
NameNATIONWIDE MORTGAGE BANKERS
Agreement
TypeStand-Alone Refinance
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

November 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUFFOLK NY
Property Address39 RAMSEY RD, COMMACK, NY 11725-1101
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0229780439
DateNov 16, 2018
Book Page22978/439
InstrumentDJ027824
Lender
NameBETHPAGE FCU
TypeCredit Union
Agreement
TypeBalloon Mortgage
AmountAmount on Record
Term337 Months
DueDec 1, 2046

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026

Property Jurisdictions

TypeName
StateNew York
CountySuffolk County
County SubdivisionSmithtown Town
Unified School DistrictCommack Union Free School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,800 Land $300 Building $5,500$725,000 Land $37,500 Building $687,500
2024$14,155.00
2023$5,800 Land $300 Building $5,500$6,667 Land $345 Building $6,322

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

Flood

FEMA maps place 39 Ramsey Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims1 (2007)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 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.

Wildfire

Wildfire risk around 39 Ramsey Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 97.9% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSUFFOLK COUNTY WATER AUTHORITY
serves 1,100,000 people · EPA ID NY5110526
Water SourceGroundwater
Last State InspectionJan 2024
Lead1 ppb (2025–2027)
action level 15 ppb

Violations Reported to EPA

Water QualityAsbestos
resolved · Jul 2020
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 386 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Optimum
Fiber · Cable		8,000 / 8,000
Verizon
Fiber		980 / 880
T-Mobile
Fixed Wireless		100 / 20

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