Suffolk County and Smithtown Town property record for 46 Somerset Dr, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,564 sqft · built 1961 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $745,000 (Jan 2024) |
| Tax Bill | $14,321 (2024) |
| Deeds & Mortgages | Sep 2023 Line of Credit Jan 2024 Sale & Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 92.-2-82 |
| Primary APN | 473489 92.-2-82 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,564 sqft Living Area |
| Gross Area | 2,193 sqft |
| 1st Floor Area | 860 sqft |
| 2nd Floor Area | 704 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 11,326 sqft (0.26 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 502 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Covered Porch |
| Porch Area | 254 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 46 SOMERSET DR |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-1633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 13-522676 TC-52 *3171 LOT 98 NORTHGATE WOODS SEC 3 |
| Legal Subdivision | NORTHGATE WOODS |
| Legal Block | 2 |
| Legal Lot Number | 82 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 135102 |
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 | 6 CENDRY LN, EAST NORTHPORT, NY 11731-5112 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Sep 25, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jan 8, 2024 | Deed, Transfer · Stand-Alone Refinance CONTOUR MORTGAGE CORP |
| Oct 15, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance TEACHERS FCU |
| Sep 20, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance TEACHERS FCU |
| Sep 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NEW PENN FIN'L LLC |
| Jun 24, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2024 · Amount on Record |
| Deed Sale | Jan 8, 2024 · Amount on Record |
| Prior Sale | Mar 1, 1999 · Amount on Record |
| Deed Book / Page | 13231 / 867 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 SOMERSET DR, COMMACK, NY 11725-1633 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0235380212 |
|---|---|
| Date | Sep 25, 2023 |
| Book Page | 23538/212 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jan 8, 2024 |
| Property Address | 46 SOMERSET DR, COMMACK, NY 11725-1633 |
| Document Number | 0132310867 |
| Book / Page | 13231 / 867 |
| Instrument Date | Nov 17, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6 CENDRY LN, EAST NORTHPORT, NY 11731-5112 |
| Document Number | 0235600118 |
|---|---|
| Date | Jan 10, 2024 |
| Book Page | 23560/118 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 SOMERSET DR, COMMACK, NY 11725-1633 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0229680588 |
|---|---|
| Date | Oct 15, 2018 |
| Book Page | 22968/588 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 97 Months |
| Due | Nov 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 SOMERSET DR, COMMACK, NY 11725-1633 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0230620929 |
|---|---|
| Date | Sep 20, 2019 |
| Book Page | 23062/929 |
| Instrument | DK021412 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 229 Months |
| Due | Oct 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 SOMERSET DR, COMMACK, NY 11725-1633 |
| Document Number | 0228650915 |
| Instrument Date | Sep 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | TITLEVEST AGENCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 46 SOMERSET DR COMMACK NY 117251633, COMMACK, NY 11725-1633 |
| Document Number | 0228650915 |
|---|---|
| Date | Oct 19, 2017 |
| Book Page | 022865/000915 |
| Name | NEW PENN FIN'L LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | PLYMOUTH MEETING, PA 19462 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 18, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 46 SOMERSET DR, COMMACK, NY 11725-1633 |
| Document Number | 0228610231 |
| Instrument Date | Jun 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2017 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 46 SOMERSET DR COMMACK NY 117251633, COMMACK, NY 11725-1633 |
| Document Number | 0228610231 |
|---|---|
| Date | Oct 2, 2017 |
| Book Page | 022861/000231 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,192 (-) Land $300 Building $4,892 | $649,000 (+10,774.66%) Land $37,500 Building $611,500 | |
| 2024 | $14,321.00 | ||
| 2023 | $5,192 Land $300 Building $4,892 | $5,968 Land $345 Building $5,623 |
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 | 3 in force |
| Nearby Flood Claims | 5 (1979–2010) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Mar 2010 · Severe Storms And 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 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 386 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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