Suffolk County and Smithtown Town property record for 4 Otsego Pl, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,915 sqft · built 1960 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (May 2012) |
| Tax Bill | $18,729 (2024) |
| Deeds & Mortgages | Dec 2018 Refinance Nov 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 144.-3-43 |
| Primary APN | 473489 144.-3-43 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,915 sqft Living Area |
| Gross Area | 2,165 sqft |
| 1st Floor Area | 982 sqft |
| 2nd Floor Area | 933 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 250 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 4 OTSEGO PL |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-5006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-175901 TC-52 *2587 SEC 2 LOT 100 BIRCHWOOD GARDENS |
| Legal Block | 3 |
| Legal Lot Number | 43 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 135205 |
4 Otsego Pl is owned and occupied by two individuals who bought it in May 2012.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 OTSEGO PL, COMMACK, NY 11725-5006 |
| 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 6, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU |
| Nov 14, 2018 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage BETHPAGE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2012 · Amount on File |
| Deed Sale | May 4, 2012 · Amount on File |
| Deed Book / Page | 12692 / 537 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 4 OTSEGO PL, COMMACK, NY 11725-5006 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0229860211 |
|---|---|
| Date | Dec 6, 2018 |
| Book Page | 22986/211 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 157 Months |
| Due | Jan 1, 2032 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 4 OTSEGO PL, COMMACK, NY 11725-5006 |
| Document Number | 0229860212 |
| Instrument Date | Nov 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4 OTSEGO PL COMMACK NY 117255006, COMMACK, NY 11725-5006 |
| Document Number | 0229860212 |
|---|---|
| Date | Dec 6, 2018 |
| Book Page | 022986/000212 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Address | 971 CORPORATE BLVD, LINTHICUM, MD 21090-2342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 5, 2033 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
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 | $7,240 Land $300 Building $6,940 | $905,000 Land $37,500 Building $867,500 | |
| 2024 | $18,729.00 | ||
| 2023 | $7,240 Land $300 Building $6,940 | $8,322 Land $345 Building $7,977 |
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 Otsego Pl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1980.
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.
The area around 4 Otsego Pl 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 266 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 |
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