Suffolk County and Smithtown Town property record for 8 Otsego Pl, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $12,166 (2024) |
| Deeds & Mortgages | Aug 2021 Refinance Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 145.-1-30 |
| Primary APN | 473489 145.-1-30 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,890 sqft (0.25 acres) |
|---|
| Street Address | 8 OTSEGO PL |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-5006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-175851 TC-52 *2587 LOT 98 SEC 2 BIRCHWOOD GARDENS |
| Legal Subdivision | BIRCHWOOD GARDENS |
| Legal Block | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 135205 |
8 Otsego Pl is owned and occupied by two individuals.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8 OTSEGO PL, COMMACK, NY 11725-5006 |
| 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 |
|---|---|
| Aug 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Apr 23, 2019 | Grant Deed, Transfer · Conventional with PMI WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 8 OTSEGO PL, COMMACK, NY 11725-5006 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0233100653 |
|---|---|
| Date | Aug 10, 2021 |
| Book Page | 23310/653 |
| Instrument | DM028730 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Apr 23, 2019 |
| Property Address | 8 OTSEGO PL, COMMACK, NY 11725-5006 |
| Document Number | 0130090416 |
| Book / Page | 013009 / 000416 |
| Instrument Date | Apr 1, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,596.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 60 EARLE AVE #2 LYNBROOK NY 115633600, 2, LYNBROOK, NY 11563-3600 |
| Document Number | 230220451 |
|---|---|
| Date | Apr 23, 2019 |
| Book Page | 023022/000451 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | 101 N PHILLIPS AVE, SIOUX FALLS, SD 57104-6738 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 22, 2049 |
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 | $4,380 Land $300 Building $4,080 | $547,500 Land $37,500 Building $510,000 | |
| 2024 | $12,166.00 | ||
| 2023 | $4,380 Land $300 Building $4,080 | $5,035 Land $345 Building $4,690 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8 Otsego Pl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1980.
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 | 1 in force |
| Nearby Flood Claims | 4 (1980–1985) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Aug 1985 · tidal / storm surge |
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 8 Otsego Pl 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 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 136 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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