Suffolk County and Smithtown Town property record for 42 Harvard Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,368 sqft · built 1960 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $126,000 (Jun 1996) |
| Tax Bill | $10,023 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 95.-4-16 |
| Primary APN | 473489 95.-4-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,368 sqft Living Area |
| 1st Floor Area | 1,218 sqft |
| Basement Area | 150 sqft |
| Finished Basement | 150 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Split Level |
| Exterior Material | Composition/Composite |
| Lot Area | 10,890 sqft (0.25 acres) |
| View / Lot | Suburban |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 42 HARVARD LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18-699251 TC-52 *2639 SEC 2 LOT 80 SMITHTOWN ESTS |
| Legal Block | 4 |
| Legal Lot Number | 16 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 135103 |
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 42 HARVARD LN, COMMACK, NY 11725-2528 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 1996 · Amount on Record |
| Deed Sale | Jun 27, 1996 · Amount on Record |
| Prior Sale | Jun 25, 1996 · Amount on Record |
| Deed Book / Page | 11780 / 277 |
| Last Transfer Date | Mar 16, 2001 |
| Transfer Doc | 0121140199 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 42 HARVARD LN, COMMACK, NY 11725-2528 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0232660092 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | 23266/92 |
| Instrument | DM006037 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.88% |
| Type Change Date | May 1, 2026 |
| Index | 1-Year CMT |
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 | $4,400 (-) Land $300 Building $4,100 | $550,000 (+10,773.86%) Land $37,500 Building $512,500 | |
| 2024 | $10,023.00 | ||
| 2023 | $4,400 Land $300 Building $4,100 | $5,058 Land $345 Building $4,713 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Claims | 1 (1992) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 1992 · Coastal Storm, High Tides, Heavy Rain, & Flooding |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 366 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures