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40 Harvard Ln, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 40 Harvard Ln, Commack, NY 11725 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,684 sqft · built 1958
Lot Size0.25 acres (10,890 sqft)
OwnerIndividual Name on File
Last Sale$50,000 (May 2013)
Tax Bill$13,460 (2024)
Deeds & MortgagesApr 2018 Refinance
Jun 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN473489 95.-4-15

Property Details

APN / Parcel Number

Primary APN473489 95.-4-15
Alternative APNs
  • 0800-095.00-04.00-015.000
  • 348909500000040150000000
  • 47340023102

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,684 sqft Living Area
Gross Area1,948 sqft
1st Floor Area1,684 sqft

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1958
Architectural StyleRanch
Exterior MaterialComposition/Composite
Lot Area10,890 sqft (0.25 acres)
View / LotSuburban
Garage TypeAttached
Garage Area264 sqft
Parking Spaces1 Parking Space
Shed1 Shed
Shed Area64 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil
SewerConnected
Water SourceCommercial

Location & Zoning

Street Address40 HARVARD LN
CityCOMMACK
StateNY
Zip11725-2528
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description18-699276 TC-52 *2639 SEC 2 LOT 81 SMITHTOWN ESTS
Legal SubdivisionSMITHTOWN ESTATES SEC 2
Legal Block4
Legal Lot Number15
JurisdictionSUFFOLK NY
Township / Civil DivisionSMITHTOWN
Census Block Group1
Census Block1011
Census Tract135103

Owner

Source: Suffolk County and Smithtown Town records · APN 473489 95.-4-15

Assessment roll updated August 11, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address40 HARVARD LN, COMMACK, NY 11725-2528
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 25, 2018Deed of Trust, Mortgage · Stand-Alone Refinance
CITIBANK NA
Jun 01, 2020Deed of Trust, Mortgage · Balloon Mortgage
CITIZENS BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 15, 2013 · Amount on Record
Deed SaleMay 15, 2013 · Amount on Record
Prior SaleJan 10, 1994 · Amount on Record
Deed Book / Page12729 / 712
Prior Transfer DateApr 26, 2013
Prior Transfer Doc0127290712
Record UpdatedSep 20, 2026

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUFFOLK NY
Property Address40 HARVARD LN, COMMACK, NY 11725-2528
Transaction TypeMortgage
Record UpdatedMay 06, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0229200440
DateApr 25, 2018
Book Page22920/440
Instrument18-0076212
Lender
NameCITIBANK NA
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUFFOLK NY
Property Address40 HARVARD LN, COMMACK, NY 11725-2528
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0231390820
DateJun 01, 2020
Book Page23139/820
InstrumentDL008868
Lender
NameCITIZENS BANK
TypeBank
Agreement
TypeBalloon Mortgage
AmountAmount Recorded
Term301 Months
DueJul 01, 2045

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,255 (-) Land $300 Building $4,955$656,875 (+10,775.41%) Land $37,500 Building $619,375
2024$13,460.00
2023$5,255 Land $300 Building $4,955$6,040 Land $345 Building $5,695

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031351031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Claims1 (1992)
Claims Outside the SFHA1 of 1
Most Recent ClaimDec 1992, tidal / storm surge, Coastal Storm, High Tides, Heavy Rain, & Flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 366 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Optimum CommunicationsFiber8,000 / 8,000
VerizonFiber2,300 / 2,300
Optimum CommunicationsCable940 / 35
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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