Suffolk County and Smithtown Town property record for 54 Terry Ln, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Jan 2000) |
| Tax Bill | $12,874 (2024) |
| Deeds & Mortgages | Jan 2022 Refinance Jan 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 88.-4-39 |
| Primary APN | 473489 88.-4-39 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,019 sqft (0.23 acres) |
|---|
| Street Address | 54 TERRY LN |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-2029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-181151 TC-52 *2419 SEC 2 LOT 211 BIRCHWOOD PARK AT COMMACK |
| Legal Block | 4 |
| Legal Lot Number | 39 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 135101 |
54 Terry Ln is owned and occupied by two individuals who acquired it in November 2018.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 54 TERRY LN, COMMACK, NY 11725-2029 |
| 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 |
|---|---|
| Jan 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MANUFACTURERS & TRADERS TRUST CO |
| Jan 14, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2000 · Amount on File |
| Deed Sale | Jan 3, 2000 · Amount on File |
| Deed Book / Page | 12011 / 275 |
| Last Transfer Date | Nov 27, 2018 |
| Transfer Doc | 0129960648 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 54 TERRY LN, COMMACK, NY 11725-2029 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0233740391 |
|---|---|
| Date | Jan 28, 2022 |
| Book Page | 23374/391 |
| Instrument | DM062021 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jan 14, 2019 |
| Property Address | 54 TERRY LN, COMMACK, NY 11725-2029 |
| Document Number | 0129960648 |
| Book / Page | 12996 / 648 |
| Instrument Date | Nov 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 | $5,161 Land $300 Building $4,861 | $645,125 Land $37,500 Building $607,625 | |
| 2024 | $12,874.00 | ||
| 2023 | $4,930 Land $300 Building $4,630 | $5,667 Land $345 Building $5,322 |
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 Terry Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 | 4 in force |
| Nearby Flood Claims | 2 (1979–2023) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 2023 · 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 Terry 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 455 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 |
May also be available: T-Mobile.
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