Suffolk County and Smithtown Town property record for 46 Harvard Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,023 sqft · built 1958 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $329,000 (Jul 2014) |
| Tax Bill | $10,251 (2024) |
| Deeds & Mortgages | Jan 2023 Line of Credit Nov 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 95.-4-18 |
| Primary APN | 473489 95.-4-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,023 sqft Living Area |
| Gross Area | 1,254 sqft |
| 1st Floor Area | 1,023 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Lot Area | 10,890 sqft (0.25 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 384 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 46 HARVARD LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 18-699201 TC-52 *2639 SEC 2 LOT 78 SMITHTOWN ESTS |
| Legal Subdivision | MAP SMITHTOWN ESTATES SECTION #2 |
| Legal Block | 4 |
| Legal Lot Number | 18 |
| 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 | 46 HARVARD LN, COMMACK, NY 11725-2528 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 25, 2023 | Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU |
| Nov 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW JERSEY LENDERS CORP |
| Feb 25, 2020 | Deed of Trust, Mortgage · Balloon Mortgage TEACHERS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2014 · Amount on Record |
| Deed Sale | Jul 15, 2014 · Amount on Record |
| Prior Sale | Jan 25, 2005 · Amount on Record |
| Deed Book / Page | 12780 / 894 |
| Prior Transfer Date | Dec 13, 1994 |
| Prior Transfer Doc | 1170000277 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 HARVARD LN, COMMACK, NY 11725-2528 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0234770548 |
|---|---|
| Date | Jan 25, 2023 |
| Book Page | 23477/548 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Feb 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 HARVARD LN, COMMACK, NY 11725-2528 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0233430986 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 23343/986 |
| Instrument | DM046216 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 HARVARD LN, COMMACK, NY 11725-2528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231090292 |
|---|---|
| Date | Feb 25, 2020 |
| Book Page | 23109/292 |
| Instrument | DK042428 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,245 (-) Land $300 Building $3,945 | $530,625 (+10,775.69%) Land $37,500 Building $493,125 | |
| 2024 | $10,251.00 | ||
| 2023 | $4,245 Land $300 Building $3,945 | $4,879 Land $345 Building $4,534 |
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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