Suffolk County and Huntington Town property record for 245 Main St, Cold Spring Harbor, NY 11724
| Property Type | Duplex |
|---|---|
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $575,000 (May 2016) |
| Tax Bill | $20,510 (2024) |
| Deeds & Mortgages | Aug 2019 Loan Modification Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0400-016.00-07.00-009.002 |
| Primary APN | 0400-016.00-07.00-009.002 |
|---|---|
| Alternative APNs |
|
| Architectural Style | Duplex Single |
|---|---|
| Lot Area | 16,553 sqft (0.38 acres) |
| Street Address | 245 MAIN ST |
|---|---|
| City | COLD SPRING HARBOR |
| State | NY |
| Zip | 11724-1405 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R10 |
| Legal Description | DESCRIBED |
| Legal Subdivision | MAP 36 LOTS C A CONKLIN |
| Legal Block | 700 |
| Legal Lot Number | 9 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | HUNTINGTON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 110104 |
Source: Suffolk County and Huntington 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 | Individual Name on Record |
|---|---|
| Mailing Address | 245 MAIN ST, COLD SPRING HARBOR, NY 11724-1405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 14, 2019 | Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI CITIZENS BK NA |
| Aug 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK NA |
| Dec 8, 2018 | Grant Deed, Transfer QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2016 · Amount on Record |
| Deed Sale | May 13, 2016 · Amount on Record |
| Prior Sale | Jun 3, 1996 · Amount on Record |
| Deed Book / Page | D00012864 / 461 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 245 MAIN ST, COLD SPRING HARBOR, NY 11724-1405 |
| Document Number | 0230960769 |
| Instrument Date | Aug 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 245 MAIN ST COLD SPRING HARBOR NY 117241405, COLD SPRING HARBOR, NY 11724-1405 |
| Document Number | 0230960769 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | 023096/000769 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 12, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 245 MAIN ST, COLD SPRING HARBOR, NY 11724-1405 |
| Document Number | 0230690989 |
| Instrument Date | Aug 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 245 MAIN ST COLD SPRING HARBOR NY 117241405, COLD SPRING HARBOR, NY 11724-1405 |
| Document Number | 0230690989 |
|---|---|
| Date | Oct 16, 2019 |
| Book Page | 023069/000989 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 15, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Dec 8, 2018 |
| Property Address | 245 MAIN ST, COLD SPRING HARBOR, NY 11724-1405 |
| Document Number | 0129910630 |
| Book / Page | 012991 / 000630 |
| Instrument Date | Nov 14, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 245 MAIN ST COLD SPRING HARBOR NY 117241405, COLD SPRING HARBOR, NY 11724-1405 |
| Document Number | 229860962 |
|---|---|
| Date | Dec 8, 2018 |
| Book Page | 022986/000962 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 7, 2048 |
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 | $5,250 (-) Land $775 Building $4,475 | $1,166,666 (+10,788.16%) Land $172,222 Building $994,444 | |
| 2024 | $20,510.00 | $10,715 (+12.26%) Land $1,582 Building $9,133 | |
| 2023 | $5,250 Land $775 Building $4,475 | $9,545 Land $1,409 Building $8,136 |
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 | 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.
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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