Suffolk County and Smithtown Town property record for 50 Shinbone Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $381,000 (Sep 2003) |
| Tax Bill | $10,156 (2024) |
| Deeds & Mortgages | Apr 2020 Mortgage Aug 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 177.-2-31 |
| Primary APN | 473489 177.-2-31 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,454 sqft (0.24 acres) |
|---|---|
| View / Lot | Suburban |
| Sewer | Connected |
|---|---|
| Water Source | Commercial |
| Street Address | 50 SHINBONE LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-5513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-229001 TC-152 *3528 LOT 124 MAP OF CLOVERLEAF SEC 2 |
| Legal Block | 2 |
| Legal Lot Number | 31 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 50 SHINBONE LN, COMMACK, NY 11725-5513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2020 | Deed of Trust, Mortgage · Balloon Mortgage BETHPAGE FCU |
| Aug 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Aug 24, 2017 | Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2003 · Amount on Record |
| Deed Sale | Sep 26, 2003 · Amount on Record |
| Deed Book / Page | 12274 / 250 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 50 SHINBONE LN, COMMACK, NY 11725-5513 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0231260346 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 23126/346 |
| Instrument | DL002150 |
| Name | BETHPAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 50 SHINBONE LN, COMMACK, NY 11725-5513 |
| Document Number | 0228580200 |
| Instrument Date | Aug 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Title Company | EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 50 SHINBONE LN COMMACK NY 117255513, COMMACK, NY 11725-5513 |
| Document Number | 0228580200 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 022858/000200 |
| Name | WELLS FARGO BK |
|---|---|
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2047 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 50 SHINBONE LN, COMMACK, NY 11725-5513 |
| Document Number | 0228580201 |
| Instrument Date | Aug 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 50 SHINBONE LN COMMACK NY 117255513, COMMACK, NY 11725-5513 |
| Document Number | 0228580201 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 022858/000201 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | 2701 WELLS FARGO WAY, MINNEAPOLIS, MN 55467-8000 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 20, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
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 | $4,010 (-) Land $300 Building $3,710 | $501,250 (+10,775.46%) Land $37,500 Building $463,750 | |
| 2024 | $10,156.00 | ||
| 2023 | $4,010 Land $300 Building $3,710 | $4,609 Land $345 Building $4,264 |
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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