45 Terry Ln, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 45 Terry Ln, Commack, NY 11725

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,842 sqft · built 1960
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$876,000 (Jul 2026)
Tax Bill	$16,864 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473489 88.-5-19`

Property Details

APN / Parcel Number

Primary APN	`473489 88.-5-19`
Alternative APNs	`0800-088.00-05.00-019.000` `348908800000050190000000` `47340021505`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,842 sqft Living Area
Gross Area	2,323 sqft
1st Floor Area	1,367 sqft
2nd Floor Area	475 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	13,939 sqft (0.32 acres)
View / Lot	Suburban
Garage Type	Attached
Garage Area	481 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	45 TERRY LN
City	COMMACK
State	NY
Zip	11725-2014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5-181101 TC-52 *2419 LOT 209 SEC 2 BIRCHWOOD PARK AT COMMACK
Legal Block	5
Legal Lot Number	19
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	2
Census Block	2024
Census Tract	135101

Owner

Source: Suffolk County and Smithtown Town records, as of August 26, 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	45 TERRY LN, COMMACK, NY 11725-2014
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
May 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Feb 2, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2026 · Amount on Record
Deed Sale	Jul 20, 2026 · Amount on Record
Deed Document Number	2026
Deed Book / Page	13343 / 519
Prior Transfer Date	Nov 4, 2020
Prior Transfer Doc	0130890591
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jul 20, 2026
Property Address	45 TERRY LN, COMMACK, NY 11725-2014
Document Number	1334000519
Book / Page	13343 / 519
Instrument Date	Apr 29, 2026
Transaction Type	Transfer
Record Updated	Aug 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 TERRY LN, COMMACK, NY 11725-2014

Mortgage

Date	Jul 20, 2026

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	45 TERRY LN, COMMACK, NY 11725-2014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230240588
Date	May 1, 2019
Book Page	23024/588
Instrument	DK003601

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jun 1, 2048

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Feb 2, 2021
Property Address	45 TERRY LN, COMMACK, NY 11725-2014
Document Number	0130890591
Book / Page	13089 / 591
Instrument Date	Nov 4, 2020
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Smithtown Town
Unified School District	Commack Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$6,150 (-) Land $405 Building $5,745	$768,750 (+10,774.95%) Land $50,625 Building $718,125
2024	$16,864.00
2023		$6,150 Land $405 Building $5,745	$7,069 Land $466 Building $6,603

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Policies	4 in force
Nearby Flood Claims	2 (1979–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2023 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 455 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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