Suffolk County and Smithtown Town property record for 43 Harvard Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $585,000 (Feb 2023) |
| Tax Bill | $12,219 (2024) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 95.-4-9 |
| Primary APN | 473489 95.-4-9 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,890 sqft (0.25 acres) |
|---|
| Street Address | 43 HARVARD LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2527 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18-699890 TC-52 *2639 W 70 L143&E5 LSMITHTOWN ESTS SEC 2 |
| Legal Subdivision | SMITHTOWN ESTS SEC 2 |
| Legal Block | 4 |
| Legal Lot Number | 9 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1006 |
| 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 | 43 HARVARD LN, COMMACK, NY 11725-2527 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Feb 8, 2023 | Deed, Transfer · Stand-Alone First Mortgage CARDINAL FINANCIAL COMPANY LP |
| Feb 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2023 · Amount on Record |
| Deed Sale | Feb 8, 2023 · Amount on Record |
| Deed Book / Page | 13188 / 561 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Feb 8, 2023 |
| Property Address | 43 HARVARD LN, COMMACK, NY 11725-2527 |
| Document Number | 0131880561 |
| Book / Page | 13188 / 561 |
| Instrument Date | Aug 30, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2024 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 43 HARVARD LN, COMMACK, NY 11725-2527 |
| Document Number | 0002348272 |
|---|---|
| Date | Feb 8, 2023 |
| Instrument | 23482/72 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 43 HARVARD LN, COMMACK, NY 11725-2527 |
| Document Number | 0228020030 |
| Book / Page | 022802 / 000030 |
| Instrument Date | Feb 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2017 |
| Title Company | TITLE SOURCES INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 43 HARVARD LN COMMACK NY 117252527, COMMACK, NY 11725-2527 |
| Document Number | 0228020030 |
|---|---|
| Date | Mar 25, 2017 |
| Book Page | 022802/000030 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 24, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
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 | $12,219.00 | ||
| 2023 | $4,400 (-) Land $300 Building $4,100 | $5,058 (+12.65%) Land $345 Building $4,713 | |
| 2022 | Homeowner's exemption | $4,400 Land $300 Building $4,100 | $4,490 Land $306 Building $4,184 |
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 |
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