Suffolk County and Smithtown Town property record for 41 Terry Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,900 sqft · built 1959 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $429,000 (Jan 2017) |
| Tax Bill | $14,449 (2024) |
| Deeds & Mortgages | Sep 2021 Refinance May 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 88.-5-17 |
| Primary APN | 473489 88.-5-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,900 sqft Living Area |
| Gross Area | 2,131 sqft |
| 1st Floor Area | 950 sqft |
| 2nd Floor Area | 950 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 512 sqft |
| Shed | 1 Shed |
| Shed Area | 242 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 41 TERRY LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 88.-5-17 *2419 SEC 2 LOT 207 BIRCHWOOD PARK AT COMMACK |
| Legal Block | 5 |
| Legal Lot Number | 17 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 135101 |
Source: Suffolk County and Smithtown Town records · APN 473489 88.-5-17
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 41 TERRY LN, COMMACK, NY 11725-2014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| May 21, 2018 | Deed of Trust, Mortgage · Line of Credit NASSAU EDUCATORS FCU |
| Jan 11, 2017 | Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 11, 2017 · Amount on Record |
| Deed Sale | Jan 11, 2017 · Amount on Record |
| Prior Sale | Jun 07, 2011 · Amount on Record |
| Deed Book / Page | 12896 / 67 |
| Prior Transfer Date | Mar 01, 1995 |
| Prior Transfer Doc | 1179000505 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 41 TERRY LN, COMMACK, NY 11725-2014 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0233240584 |
|---|---|
| Date | Sep 14, 2021 |
| Book Page | 23324/584 |
| Instrument | DM034295 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 41 TERRY LN, COMMACK, NY 11725-2014 |
| Document Number | 0229310164 |
| Instrument Date | May 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 41 TERRY LN COMMACK NY 117252014, COMMACK, NY 11725-2014 |
| Document Number | 0229310164 |
|---|---|
| Date | Jun 01, 2018 |
| Book Page | 022931/000164 |
| Name | NASSAU EDUCATORS FCU |
|---|---|
| Type | Credit Union |
| Address | 1000 CORPORATE DR, WESTBURY, NY 11590-6648 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 31, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jan 11, 2017 |
| Property Address | 41 TERRY LN, COMMACK, NY 11725-2014 |
| Document Number | 0128960067 |
| Book / Page | 012896 / 000067 |
| Instrument Date | Dec 15, 2016 |
| Transaction Type | Transfer |
| Record Updated | Jun 06, 2017 |
| Title Company | PYRAMID TITLE AGENCY, PYRAMID TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,716.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 86 STOOTHOFF RD EAST NORTHPORT NY 117313920, EAST NORTHPORT, NY 11731-3920 |
| Document Number | 227770136 |
|---|---|
| Date | Jan 11, 2017 |
| Book Page | 022777/000136 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 10, 2047 |
Source: Suffolk County and Smithtown Town records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Smithtown Town |
| Unified School District | Commack Union Free School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,240 (-) Land $305 Building $4,935 | $655,000 (+10,774.98%) Land $38,125 Building $616,875 | |
| 2024 | $14,449.00 | ||
| 2023 | $5,240 Land $305 Building $4,935 | $6,023 Land $351 Building $5,672 |
Source: FEMA National Flood Hazard Layer as of September 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 980 / 880 |
May also be available: T-Mobile USA.
Based on FCC filings for 455 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SUFFOLK COUNTY WATER AUTHORITY serves 1,100,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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