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48 Timber Ridge Dr, Commack, NY 11725 Property Records

Suffolk County and Smithtown Town property record for 48 Timber Ridge Dr, Commack, NY 11725

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,104 sqft · built 1988
Lot Size0.35 acres (15,246 sqft)
Owner2 Individual Names on File
Last Sale$740,000 (Oct 2017)
Tax Bill$20,133 (2024)
Deeds & MortgagesAug 2020 Mortgage
Aug 2020 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN473489 43.2-3-4

Property Details

APN / Parcel Number

Primary APN473489 43.2-3-4
Alternative APNs
  • 0800-043.02-03.00-004.000
  • 348904300200030040000000
  • 47340011443

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area3,104 sqft Living Area
Gross Area3,524 sqft
1st Floor Area1,808 sqft
2nd Floor Area1,296 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Architectural StyleColonial
Exterior MaterialWood
Lot Area15,246 sqft (0.35 acres)
View / LotSuburban
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHot Water
Heating FuelGas
SewerConnected
Water SourceCommercial

Location & Zoning

Street Address48 TIMBER RIDGE DR
CityCOMMACK
StateNY
Zip11725-1742
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description3-99326.6 TC-51 TIMBER RIDGE @ COMMACK SEC 8 LOT 305 * 8121
Legal Block3
Legal Lot Number4
JurisdictionSUFFOLK NY
Township / Civil DivisionSMITHTOWN
Census Block Group2
Census Block2003
Census Tract135103

Owner

48 Timber Ridge Dr is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record2 Individual Names on File
Mailing Address48 TIMBER RIDGE DR, COMMACK, NY 11725-1742
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Aug 28, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED NTHRN MTG BANKERS
Aug 28, 2020Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage
UNITED NRTHN MTG BANKERS
Oct 6, 2017Grant Deed, Transfer · Conventional Mortgage
UNITED NRTHN MTG BANKERS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 6, 2017 · Amount on File
Deed SaleOct 6, 2017 · Amount on File
Prior SaleJan 8, 2007 · Amount on File
Deed Book / Page12932 / 822
Prior Transfer DateJan 19, 2011
Prior Transfer Doc0126510434
Record UpdatedSep 20, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUFFOLK NY
Property Address48 TIMBER RIDGE DR, COMMACK, NY 11725-1742
Document Number0232110572
Instrument DateAug 28, 2020
Transaction TypeMortgage
Record UpdatedApr 5, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address48 TIMBER RIDGE DR COMMACK NY 117251742, COMMACK, NY 11725-1742

Mortgage

Document Number0232110572
DateDec 22, 2020
Book Page023211/000572
Lender
NameUNITED NTHRN MTG BANKERS
AddressLEVITTOWN, NY 11756
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueDec 21, 2050

August 2020: Loan Modification, Consolidation and Extension, Mortgage

Document TypeLoan Modification, Consolidation and Extension
JurisdictionSUFFOLK NY
Property Address48 TIMBER RIDGE DR, COMMACK, NY 11725-1742
Document Number0232110573
Instrument DateAug 28, 2020
Transaction TypeMortgage
Record UpdatedJun 21, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address48 TIMBER RIDGE DR COMMACK NY 117251742, COMMACK, NY 11725-1742

Mortgage

Document Number0232110573
DateDec 22, 2020
Book Page023211/000573
Lender
NameUNITED NRTHN MTG BANKERS
TypeMortgage Company
AddressLEVITTOWN, NY 11756
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueDec 21, 2050
Interest
Rate TypeFixed Rate
Rate2.87%

October 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSUFFOLK NY
Recording DateOct 6, 2017
Property Address48 TIMBER RIDGE DR, COMMACK, NY 11725-1742
Document Number0129320822
Book / Page012932 / 000822
Instrument DateSep 15, 2017
Transaction TypeTransfer
Record UpdatedNov 16, 2017
Title CompanyMACGREGOR ABSTRACT CORPORATION

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,960.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address240 1ST AVE #7F NEW YORK NY 100092604, 7F, NEW YORK, NY 10009-2604

Mortgage

Document Number228620658
DateOct 6, 2017
Book Page022862/000658
Lender
NameUNITED NRTHN MTG BANKERS
TypeMortgage Company
AddressLEVITTOWN, NY 11756
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 5, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySuffolk County
County SubdivisionSmithtown Town
Unified School DistrictCommack Union Free School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,370 Land $425 Building $6,945$921,250 Land $53,125 Building $868,125
2024$20,133.00
2023$7,370 Land $425 Building $6,945$8,472 Land $489 Building $7,983

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

Flood

FEMA maps place 48 Timber Ridge Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force

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

Wildfire risk around 48 Timber Ridge Dr 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 RiskLow
lower than 97% of the US · lower than 96% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSUFFOLK COUNTY WATER AUTHORITY
serves 1,100,000 people · EPA ID NY5110526
Water SourceGroundwater
Last State InspectionJan 2024
Lead1 ppb (2025–2027)
action level 15 ppb

Violations Reported to EPA

Water QualityAsbestos
resolved · Jul 2020
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 180 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fiber		2,300 / 2,300
Optimum
Cable · Fiber in parts of the area		940 / 35
T-Mobile
Fixed Wireless		100 / 20

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