Suffolk County and Smithtown Town property record for 46 Shinbone Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,400 sqft · built 1963 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $492,000 (Feb 2018) |
| Tax Bill | $14,807 (2024) |
| Deeds & Mortgages | Sep 2020 Refinance Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 176.-1-16 |
| Primary APN | 473489 176.-1-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,400 sqft Living Area |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 10,454 sqft (0.24 acres) |
| View / Lot | Suburban |
| Garage Type | Basement |
| Porch | Open Porch |
| Porch Area | 283 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 46 SHINBONE LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-5513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-228951 TC-52 *3528 LOT 122 MAP OF CLOVERLEAF SEC 2 |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 135205 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 46 SHINBONE LN, COMMACK, NY 11725-5513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance BETHPAGE FCU |
| Feb 7, 2018 | Grant Deed, Transfer · Conventional Mortgage BANK OF NAT'L TR & SVGS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 7, 2018 · Amount on Record |
| Deed Sale | Feb 7, 2018 · Amount on Record |
| Prior Sale | Sep 30, 2005 · Amount on Record |
| Deed Document Number | 201818-0024768 |
| Deed Book / Page | 12949 / 452 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 SHINBONE LN, COMMACK, NY 11725-5513 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231750624 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 23175/624 |
| Instrument | DL026786 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Feb 7, 2018 |
| Property Address | 46 SHINBONE LN, COMMACK, NY 11725-5513 |
| Document Number | 0129490452 |
| Book / Page | 012949 / 000452 |
| Instrument Date | Jan 5, 2018 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2018 |
| Title Company | GOLD COAST ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,968.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8557 151ST ST JAMAICA NY 114322512, JAMAICA, NY 11432-2512 |
| Document Number | 228990596 |
|---|---|
| Date | Feb 7, 2018 |
| Book Page | 022899/000596 |
| Name | BANK OF NAT'L TR & SVGS |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 6, 2048 |
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 | $5,375 (-) Land $300 Building $5,075 | $671,875 (+10,775.28%) Land $37,500 Building $634,375 | |
| 2024 | $14,807.00 | ||
| 2023 | $5,375 Land $300 Building $5,075 | $6,178 Land $345 Building $5,833 |
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 Policies | 8 in force |
| Nearby Flood Claims | 5 (1981–2015) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 2015 · 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.
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.
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 206 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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