Suffolk County and Smithtown Town property record for 4 Gardenia Dr, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,045 sqft · built 1959 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $673,000 (Dec 2022) |
| Tax Bill | $14,467 (2024) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Sep 2020 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 120.-4-45 |
| Primary APN | 473489 120.-4-45 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,045 sqft Living Area |
| Gross Area | 2,285 sqft |
| 1st Floor Area | 980 sqft |
| 2nd Floor Area | 1,065 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 16,988 sqft (0.39 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 512 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 4 GARDENIA DR |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-4109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12-494176 TC-52 *2349 LOT 173 MAYFAIR PARK SEC 4 |
| Legal Subdivision | MAP MAYFAIR PARK SECTION #4 |
| Legal Block | 4 |
| Legal Lot Number | 45 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 135201 |
4 Gardenia Dr is owned and occupied by two individuals who bought it in December 2022.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 GARDENIA DR, COMMACK, NY 11725-4109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 2, 2022 | Deed, Transfer · Stand-Alone First Mortgage BETHPAGE FCU |
| Sep 3, 2020 | Quit Claim Deed, Transfer Quitclaim |
| Jul 30, 2018 | Deed, Transfer |
| Apr 6, 2017 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2022 · Amount on File |
| Deed Sale | Dec 2, 2022 · Amount on File |
| Prior Sale | Jul 30, 2018 · Amount on File |
| Deed Book / Page | 13180 / 475 |
| Prior Transfer Date | Jul 27, 2020 |
| Prior Transfer Doc | 0130690969 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Dec 2, 2022 |
| Property Address | 4 GARDENIA DR, COMMACK, NY 11725-4109 |
| Document Number | 0131800475 |
| Book / Page | 13180 / 475 |
| Instrument Date | Oct 1, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2024 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | MURPHY LN, COMMACK, NY 11725 |
| Document Number | 0023465646 |
|---|---|
| Date | Dec 2, 2022 |
| Instrument | 23465/646 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.1% |
| Type Change Date | Nov 1, 2032 |
| Max Rate At Change | 2.5% |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Sep 3, 2020 |
| Property Address | 4 GARDENIA DR, COMMACK, NY 11725-4109 |
| Document Number | 0130690969 |
| Book / Page | 13069 / 969 |
| Instrument Date | Jul 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jul 30, 2018 |
| Property Address | 4 GARDENIA DR, COMMACK, NY 11725-4109 |
| Document Number | 0129710835 |
| Book / Page | 12971 / 835 |
| Instrument Date | Jul 9, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 N DOVER AVE, MASSAPEQUA, NY 11758-2408 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 4 GARDENIA DR, COMMACK, NY 11725-4109 |
| Document Number | 0228140001 |
| Book / Page | 022814 / 000001 |
| Instrument Date | Apr 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2017 |
| Title Company | TITLE SOURCES INC |
| Name | Verified Name |
|---|---|
| Address | 4 GARDENIA DR COMMACK NY 117254109, COMMACK, NY 11725-4109 |
| Document Number | 0228140001 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 022814/000001 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
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 | $5,530 Land $380 Building $5,150 | $691,250 Land $47,500 Building $643,750 | |
| 2024 | $14,467.00 | ||
| 2023 | $5,530 (-) Land $380 Building $5,150 | $6,357 (+12.65%) Land $437 Building $5,920 | |
| 2022 | Additional exemption filed | $5,530 Land $380 Building $5,150 | $5,643 Land $388 Building $5,255 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4 Gardenia Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1981.
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 | 3 (1981–1984) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 1984 · 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.
The area around 4 Gardenia Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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 323 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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