Suffolk County and Smithtown Town property record for 44 Harvard Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $9,650 (2024) |
| Deeds & Mortgages | May 2022 Line of Credit Nov 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 95.-4-17 |
| Primary APN | 473489 95.-4-17 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,890 sqft (0.25 acres) |
|---|
| Street Address | 44 HARVARD LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18-699226 TC-52 *2639 SEC 2 LOT 79 SMITHTOWN ESTS |
| Legal Block | 4 |
| Legal Lot Number | 17 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 135103 |
44 Harvard Ln is owned and occupied by an individual.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 44 HARVARD LN, COMMACK, NY 11725-2528 |
| 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 |
|---|---|
| May 31, 2022 | Deed of Trust, Mortgage · Line of Credit ISLAND FCU |
| Nov 30, 2021 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 44 HARVARD LN, COMMACK, NY 11725-2528 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0234210650 |
|---|---|
| Date | May 31, 2022 |
| Book Page | 23421/650 |
| Name | ISLAND FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Jun 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Nov 30, 2021 |
| Property Address | 44 HARVARD LN, COMMACK, NY 11725-2528 |
| Document Number | 0131310949 |
| Book / Page | 13131 / 949 |
| Instrument Date | Aug 24, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 Land $37,500 Building $512,500 | |
| 2024 | $9,650.00 | ||
| 2023 | $4,400 Land $300 Building $4,100 | $5,058 Land $345 Building $4,713 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 Harvard Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1992.
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.
Wildfire risk around 44 Harvard Ln is low, with less than a 0.01% annual chance of wildfire.
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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