Suffolk County and Huntington Town property record for 196 Main St, Cold Spring Harbor, NY 11724
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,400,000 (Jul 2007) |
| Tax Bill | $18,206 (2024) |
| Deeds & Mortgages | Nov 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 0400-063.00-05.00-039.001 |
| Primary APN | 0400-063.00-05.00-039.001 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,890 sqft (0.25 acres) |
|---|
| Street Address | 196 MAIN ST |
|---|---|
| City | COLD SPRING HARBOR |
| State | NY |
| Zip | 11724-1411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLK LOT |
| Legal Subdivision | DESCRIBED |
| Legal Block | 500 |
| Legal Lot Number | 39 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | HUNTINGTON |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 110104 |
196 Main St is owned and occupied by two individuals who bought it in July 2007.
Source: Suffolk County and Huntington Town records, as of August 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 196 MAIN ST, COLD SPRING HARBOR, NY 11724-1411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2007 · Amount on File |
| Deed Sale | Jul 27, 2007 · Amount on File |
| Deed Book / Page | 12515 / 616 |
| Prior Transfer Date | Jul 2, 2001 |
| Prior Transfer Doc | 1213000918 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 196 MAIN ST, COLD SPRING HARBOR, NY 11724-1411 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0126380076 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 12638/76 |
| Instrument | 2021-21867 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
Source: Suffolk County and Huntington Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Huntington Town |
| Unified School District | Cold Spring Harbor Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,700 Land $550 Building $4,150 | $1,044,444 (+10,789.83%) Land $122,222 Building $922,222 | |
| 2024 | $18,206.00 | $9,591 (+12.24%) Land $1,122 Building $8,469 | |
| 2023 | $4,700 Land $550 Building $4,150 | $8,545 Land $1,000 Building $7,545 |
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 196 Main St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2017.
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 | 9 in force |
| Nearby Flood Claims | 3 (2017–2021) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
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 196 Main St is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 166 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 |
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