Suffolk County and Smithtown Town property record for 45 Elder Dr, Commack, NY 11725 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1957 |
| Square Footage | 1,065 sqft Living Area |
| Lot Size | 10,890 sqft (0.25 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $145,000 (1996) |
| Tax Bill | $11,695.00 (2024) |
Source: Suffolk County and Smithtown Town records · APN 473489 93.-1-6
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 ELDER DR, COMMACK, NY 11725-2331 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 28, 2025 | Deed of Trust, Mortgage · Stand Alone Refinance HOMETAP EQUITY PARTNE |
| Mar 14, 2019 | Deed of Trust, Mortgage · Stand Alone Refinance BANK OF AMERICA NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 26, 1996 · Amount on Record |
| Deed Sale | Apr 26, 1996 · Amount on Record |
| Deed Book / Page | 11771 / 383 |
| Prior Transfer Date | Apr 18, 1996 |
| Prior Transfer Doc | 1177000383 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 45 ELDER DR, COMMACK, NY 11725-2331 |
| Transaction Type | Mortgage |
| Record Updated | Oct 08, 2025 |
| Title Company | EQUITY LOAN SERVICES INC, EQUITY STLMNT SVC INC |
| Name | Verified Name |
|---|
| Document Number | 0236790145 |
|---|---|
| Date | Aug 28, 2025 |
| Book Page | 23679/145 |
| Name | HOMETAP EQUITY PARTNE |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 45 ELDER DR, COMMACK, NY 11725-2331 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0230110687 |
|---|---|
| Date | Mar 14, 2019 |
| Book Page | 23011/687 |
| Instrument | DJ042181 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Apr 01, 2048 |
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 | $4,590 (-) Land $300 Building $4,290 | $573,750 (+10,774.72%) Land $37,500 Building $536,250 | |
| 2024 | $11,695.00 | ||
| 2023 | $4,590 Land $300 Building $4,290 | $5,276 Land $345 Building $4,931 |
Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 473489 93.-1-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,065 sqft Living Area |
| Gross Area | 1,815 sqft Gross Area |
| 1st Floor | 1,065 sqft 1st Floor |
| Basement Area | 250 sqft Basement |
| Stories | 1 Stories |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Split Level Style |
| Exterior Material | Wood Exterior |
| Lot Area | 10,890 sqft (0.25 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 500 sqft Garage |
| View | Suburban View |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Commercial Water Source |
| Street Address | 45 ELDER DR |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2331 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 12-477026 TC-52 *2480 LOT 183 MAYFAIR EST SEC D |
| Legal Subdivision | MAYFAIR ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | SUFFOLK NY |
| Minor Civil Division | SMITHTOWN |
| Census Blockgroup | 1 |
| Census Block | 1020 |
| Census Tract | 135102 |
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