Suffolk County and Smithtown Town property record for 98 Caramel Rd, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 7,586 sqft · built 1995 |
| Lot Size | 1.65 acres (71,874 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $870,000 (May 2021) |
| Tax Bill | $26,406 (2024) |
| Deeds & Mortgages | May 2023 Refinance May 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 41.-7-7 |
| Primary APN | 473489 41.-7-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 7,586 sqft Living Area |
| Gross Area | 8,690 sqft |
| 1st Floor Area | 4,785 sqft |
| 2nd Floor Area | 2,801 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 71,874 sqft |
| View / Lot | Rural |
| Garage Type | Attached |
| Garage Area | 654 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 2,445 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 98 CARAMEL RD |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-1000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | * TC-52 SCHOLAR ESTATES LOT 19 *8944 |
| Legal Subdivision | MAP SCHOLAR ESTATES |
| Legal Block | 7 |
| Legal Lot Number | 7 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 135101 |
Source: Suffolk County and Smithtown Town records, as of August 11, 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 | 98 CARAMEL RD, COMMACK, NY 11725-1000 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 4, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA |
| May 17, 2021 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2021 · Amount on Record |
| Deed Sale | May 17, 2021 · Amount on Record |
| Prior Sale | May 9, 1994 · Amount on Record |
| Deed Book / Page | 13104 / 617 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 98 CARAMEL RD, COMMACK, NY 11725-1000 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0235040771 |
|---|---|
| Date | May 4, 2023 |
| Book Page | 23504/771 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | May 17, 2021 |
| Property Address | 98 CARAMEL RD, COMMACK, NY 11725-1000 |
| Document Number | 0131040617 |
| Book / Page | 13104 / 617 |
| Instrument Date | Feb 23, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Et Ux (and Wife) |
| Address | 41 FLEETWOOD RD, COMMACK, NY 11725-1762 |
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 | $17,275 (+77.27%) Land $1,575 Building $15,700 | $2,159,375 (+19,178.41%) Land $196,875 Building $1,962,500 | |
| 2024 | $26,406.00 | ||
| 2023 | $9,745 Land $1,575 Building $8,170 | $11,201 Land $1,810 Building $9,391 |
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 | 3 in force |
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 97% of the US · lower than 96% 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 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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