2125 Pine Tree Rd, Cutchogue, NY 11935 Property Records

Suffolk County and Southold Town property record for 2125 Pine Tree Rd, Cutchogue, NY 11935

Property Summary

Property Type	Single Family Home
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$41,000 (Dec 2022)
Tax Bill	$10,164 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`473889 98.-1-13`

Property Details

APN / Parcel Number

Primary APN	`473889 98.-1-13`
Alternative APNs	`1000-098.00-01.00-013.000` `388909800000010130000000` `47380011820` `13`

Exterior

Lot Area	27,878 sqft (0.64 acres)
View / Lot	Waterfront

Location & Zoning

Account Number	13
Street Address	2125 PINE TREE RD
City	CUTCHOGUE
State	NY
Zip	11935-1562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Description	BOOK 12087 PAGE 571 BILL 011390
Legal Subdivision	MAP NASSAU FARMS AT PECONIC
Legal Block	1
Legal Lot Number	13
Jurisdiction	SUFFOLK NY
Township / Civil Division	SOUTHOLD
Census Block Group	2
Census Block	2001
Census Tract	170005

Owner

2125 Pine Tree Rd is owned by two individuals who bought it in December 2022.

Source: Suffolk County and Southold Town records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	210 RIVERSIDE DR, 4A, NEW YORK, NY 10025-6880
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2022	Deed, Transfer · Stand-Alone First Mortgage MORGAN STANLEY CREDIT CORP
Jan 26, 2018	Grant Deed, Transfer CITIBANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2022 · Amount on File
Deed Sale	Dec 2, 2022 · Amount on File
Prior Sale	Jan 26, 2018 · Amount on File
Deed Book / Page	13180 / 673
Prior Transfer Date	Aug 3, 2015
Prior Transfer Doc	0128270824
Record Updated	Sep 20, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Dec 2, 2022
Property Address	2125 PINE TREE RD, CUTCHOGUE, NY 11935-1562
Document Number	0131800673
Book / Page	13180 / 673
Instrument Date	Aug 18, 2022
Transaction Type	Transfer
Record Updated	Jan 2, 2024
Title Company	FIDELITY NATIONAL TITLE MA, FIDELITY NATIONAL TITLE (AKA

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 RIVERSIDE DR APT 4A, 4A, NEW YORK, NY 10025-6880

Mortgage

Document Number	0023465807
Date	Dec 2, 2022
Instrument	23465/807

Lender

Name	MORGAN STANLEY CREDIT CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jan 26, 2018
Property Address	2125 PINE TREE RD, CUTCHOGUE, NY 11935-1562
Document Number	0129470889
Book / Page	012947 / 000889
Instrument Date	Dec 20, 2017
Transaction Type	Transfer
Record Updated	Apr 12, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,000.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	60 KNOLLWOOD DR LARCHMONT NY 105381238, LARCHMONT, NY 10538-1238

Mortgage

Document Number	228960179
Date	Jan 26, 2018
Book Page	022896/000179

Lender

Name	CITIBANK FSB
Type	Federal Savings Bank
Address	OFALLON, MO 63368-2240

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Suffolk County and Southold Town assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Southold Town
Unified School District	Mattituck-Cutchogue Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$6,600 Land $900 Building $5,700	$1,200,000 Land $163,636 Building $1,036,364
2024	$10,164.00
2023		$6,600 (-) Land $900 Building $5,700	$11,579 (+22.8%) Land $1,579 Building $10,000
2022	$9,930.00	$6,600 Land $900 Building $5,700	$9,429 Land $1,286 Building $8,143

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2125 Pine Tree Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 79 policies
Nearby Flood Policies	79 in force
Nearby Flood Claims	7 (2011–2023)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Mar 2023 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 3 claims

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

Wildfire risk around 2125 Pine Tree Rd 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 99.1% of the US · lower than 99.2% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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