Suffolk County and Smithtown Town property record for 81 Walter Ct, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft · built 1956 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $405,000 (Aug 2016) |
| Tax Bill | $10,547 (2024) |
| Deeds & Mortgages | Aug 2023 Line of Credit Mar 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 120.-2-76 |
| Primary APN | 473489 120.-2-76 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,326 sqft (0.26 acres) |
| View / Lot | Suburban |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Oil |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 81 WALTER CT |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-4133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12-493726 TC-52 *2305 LOT 156 MAYFAIR PARK SEC 3 |
| Legal Subdivision | MAYFAIR PARK |
| Legal Block | 2 |
| Legal Lot Number | 76 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 135201 |
Source: Suffolk County and Smithtown Town records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 81 WALTER CT, COMMACK, NY 11725-4133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2023 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Mar 29, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2016 · Amount on Record |
| Deed Sale | Aug 1, 2016 · Amount on Record |
| Prior Sale | Mar 11, 2016 · Amount on Record |
| Deed Book / Page | 12873 / 481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 81 WALTER CT, COMMACK, NY 11725-4133 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0235290786 |
|---|---|
| Date | Aug 18, 2023 |
| Book Page | 23529/786 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 81 WALTER CT, COMMACK, NY 11725-4133 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0233980140 |
|---|---|
| Date | Mar 29, 2022 |
| Book Page | 23398/140 |
| Instrument | DM074064 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 229 Months |
| Due | Apr 1, 2041 |
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 | $3,770 (-) Land $300 Building $3,470 | $471,250 (+10,773.33%) Land $37,500 Building $433,750 | |
| 2024 | $10,547.00 | ||
| 2023 | $3,770 Land $300 Building $3,470 | $4,334 Land $345 Building $3,989 |
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 | 4 in force |
| Nearby Flood Claims | 3 (1981–1984) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 1984 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 323 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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