Suffolk County and Smithtown Town property record for 47 Ashley Cir, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,700 sqft · built 1987 |
| Lot Size | 0.01 acres (436 sqft) |
| Owner | Individual Name on File |
| Last Sale | $379,000 (Sep 2003) |
| Tax Bill | $12,352 (2024) |
| Deeds & Mortgages | May 2021 Refinance May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 118.1-1-47 |
| Primary APN | 473489 118.1-1-47 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,700 sqft Living Area |
| Gross Area | 2,150 sqft |
| 1st Floor Area | 850 sqft |
| 2nd Floor Area | 850 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Townhouse |
| Exterior Material | Wood |
| Lot Area | 436 sqft (0.01 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 47 ASHLEY CIR |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-4644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3-97476 TC-52 SMITHTOWN TARA *8035SEC 1 UNIT47 |
| Legal Block | 1 |
| Legal Lot Number | 47 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 135208 |
47 Ashley Cir is owned and occupied by an individual who bought it in September 2003.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 47 ASHLEY CIR, COMMACK, NY 11725-4644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE FIRST CAPITAL LLC |
| May 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAP |
| Dec 1, 2017 | Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2003 · Amount on File |
| Deed Sale | Sep 18, 2003 · Amount on File |
| Prior Sale | Nov 3, 1995 · Amount on File |
| Deed Book / Page | 12273 / 38 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 47 ASHLEY CIR, COMMACK, NY 11725-4644 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0232750658 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 23275/658 |
| Instrument | DM010761 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 47 ASHLEY CIR, COMMACK, NY 11725-4644 |
| Document Number | 0231410012 |
| Instrument Date | May 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 47 ASHLEY CIR COMMACK NY 117254644, COMMACK, NY 11725-4644 |
| Document Number | 0231410012 |
|---|---|
| Date | Jun 4, 2020 |
| Book Page | 023141/000012 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 3, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 47 ASHLEY CIR, COMMACK, NY 11725-4644 |
| Document Number | 0228870639 |
| Book / Page | 022887 / 000639 |
| Instrument Date | Dec 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2018 |
| Name | Verified Name |
|---|---|
| Address | 47 ASHLEY CIR COMMACK NY 117254644, COMMACK, NY 11725-4644 |
| Document Number | 0228870639 |
|---|---|
| Date | Dec 28, 2017 |
| Book Page | 022887/000639 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 27, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
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 | $4,450 Land $400 Building $4,050 | $556,250 Land $50,000 Building $506,250 | |
| 2024 | $12,352.00 | ||
| 2023 | $4,450 Land $400 Building $4,050 | $5,115 Land $460 Building $4,655 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 47 Ashley Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 | 2 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
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 risk around 47 Ashley Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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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