Suffolk County and Huntington Town property record for 251 Main St, Cold Spring Harbor, NY 11724
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $11,784 (2024) |
| Deeds & Mortgages | Feb 2020 Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0400-016.00-07.00-017.000 |
| Primary APN | 0400-016.00-07.00-017.000 |
|---|---|
| Alternative APNs |
|
| Lot Area | 21,780 sqft (0.5 acres) |
|---|
| Street Address | 251 MAIN ST |
|---|---|
| City | COLD SPRING HARBOR |
| State | NY |
| Zip | 11724-1405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | BLK LOT |
| Legal Block | 700 |
| Legal Lot Number | 17 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | HUNTINGTON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 110104 |
251 Main St is owned and occupied by two individuals.
Source: Suffolk County and Huntington Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 251 MAIN ST, COLD SPRING HARBOR, NY 11724-1405 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Feb 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NATIONWIDE MTG BANKERS INC |
| Apr 19, 2019 | Grant Deed, Transfer · Conventional Mortgage NATIONWIDE MTG BANKERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 251 MAIN ST, COLD SPRING HARBOR, NY 11724-1405 |
| Document Number | 0231160860 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 251 MAIN ST COLD SPRING HARBOR NY 117241405, COLD SPRING HARBOR, NY 11724-1405 |
| Document Number | 0231160860 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 023116/000860 |
| Name | NATIONWIDE MTG BANKERS INC |
|---|---|
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 19, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Apr 19, 2019 |
| Property Address | 251 MAIN ST, COLD SPRING HARBOR, NY 11724-1405 |
| Document Number | 0130090072 |
| Book / Page | 013009 / 000072 |
| Instrument Date | Mar 29, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,996.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 72 SHORE RD COLD SPRING HARBOR NY 117241102, COLD SPRING HARBOR, NY 11724-1102 |
| Document Number | 230210550 |
|---|---|
| Date | Apr 19, 2019 |
| Book Page | 023021/000550 |
| Name | NATIONWIDE MTG BANKERS INC |
|---|---|
| Address | 68 S SERVICE RD # 340, MELVILLE, NY 11747-2358 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 18, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.15% |
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 | $3,000 Land $500 Building $2,500 | $666,667 (+10,789.69%) Land $111,111 Building $555,556 | |
| 2024 | $11,784.00 | $6,122 (+12.25%) Land $1,020 Building $5,102 | |
| 2023 | $3,000 Land $500 Building $2,500 | $5,454 Land $909 Building $4,545 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 251 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 251 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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