Suffolk County and Smithtown Town property record for 54 Shinbone Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,654 sqft · built 1963 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $730,000 (Nov 2023) |
| Tax Bill | $10,713 (2024) |
| Deeds & Mortgages | Dec 2025 Mortgage Nov 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 177.-2-33 |
| Primary APN | 473489 177.-2-33 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,654 sqft Living Area |
| Gross Area | 2,001 sqft |
| 1st Floor Area | 654 sqft |
| 2nd Floor Area | 1,000 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Raised Ranch |
| Lot Area | 13,504 sqft (0.31 acres) |
| View / Lot | Suburban |
| Garage Type | Attached |
| Garage Area | 347 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 660 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 54 SHINBONE LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-5517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6-228051 TC-52 *3528 LOT 86 MAP OF CLOVERLEAF SEC 2 |
| Legal Subdivision | MAP CLOVERLEAF SECTION #2 |
| Legal Block | 2 |
| Legal Lot Number | 33 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 135205 |
54 Shinbone Ln is owned by an individual who bought it in November 2023.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2 E MILL DR, GREAT NECK, NY 11021-4031 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| Dec 18, 2025 | Deed of Trust, Mortgage ROCKET MORTGAGE LLC |
| Nov 6, 2023 | Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 6, 2023 · Amount on File |
| Deed Sale | Nov 6, 2023 · Amount on File |
| Prior Sale | May 18, 2004 · Amount on File |
| Deed Book / Page | 13224 / 236 |
| Prior Transfer Date | Jan 9, 2015 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 54 SHINBONE LN, COMMACK, NY 11725-5517 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0237020766 |
|---|---|
| Date | Dec 18, 2025 |
| Book Page | 23702/766 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 337 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Nov 6, 2023 |
| Property Address | 54 SHINBONE LN, COMMACK, NY 11725-5517 |
| Document Number | 0132240236 |
| Book / Page | 13224 / 236 |
| Instrument Date | Sep 1, 2023 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| 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 | 2 E MILL DR, GREAT NECK, NY 11021-4031 |
| Document Number | 0023545230 |
|---|---|
| Date | Nov 6, 2023 |
| Instrument | 23545/230 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Dec 1, 2052 |
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 | $4,220 Land $360 Building $3,860 | $527,500 Land $45,000 Building $482,500 | |
| 2024 | $10,713.00 | ||
| 2023 | $4,220 Land $360 Building $3,860 | $4,851 Land $414 Building $4,437 |
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 54 Shinbone Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.
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.
Wildfire risk around 54 Shinbone Ln 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 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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