28 Wilton Rd, Cold Spring Harbor, NY 11724 Property Records

Suffolk County and Huntington Town property record for 28 Wilton Rd, Cold Spring Harbor, NY 11724

Property Summary

Property Type	Single Family Home
Lot Size	2.96 acres (129,373 sqft)
Owner	2 Individual Names on File
Last Sale	$830,000 (Aug 1998)
Tax Bill	$34,691 (2024)
Deeds & Mortgages	Aug 2023 Refinance Nov 2018 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0400-090.00-02.00-021.000`

Property Details

APN / Parcel Number

Primary APN	`0400-090.00-02.00-021.000`
Alternative APNs	`472689 090.00-02.00-021.000` `268909000002000210000000` `472600212300`

Exterior

Lot Area	129,373 sqft

Location & Zoning

Street Address	28 WILTON RD
City	COLD SPRING HARBOR
State	NY
Zip	11724-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R80
Legal Description	BLK LOT
Legal Subdivision	DESCRIBED
Legal Block	200
Legal Lot Number	21
Jurisdiction	SUFFOLK NY
Township / Civil Division	HUNTINGTON
Census Block Group	1
Census Block	1012
Census Tract	110104

Owner

28 Wilton Rd is owned and occupied by two individuals who bought it in August 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	28 WILTON RD, COLD SPRING HARBOR, NY 11724-2423
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance DISCOVER BANK
Nov 28, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance DISCOVER BANK
Apr 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHASE BK/TX
Apr 8, 2020	Loan Modification, Consolidation and Extension, Mortgage CHASE BK/TX
Jul 26, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 1998 · Amount on File
Deed Sale	Aug 27, 1998 · Amount on File
Deed Book / Page	11913 / 765
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	28 WILTON RD, COLD SPRING HARBOR, NY 11724-2423
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0235240724
Date	Aug 1, 2023
Book Page	23524/724

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2052

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	28 WILTON RD, COLD SPRING HARBOR, NY 11724-2423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0229810973
Date	Nov 28, 2018
Book Page	22981/973

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	217 Months
Due	Dec 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	28 WILTON RD, COLD SPRING HARBOR, NY 11724-2423
Document Number	0231400458
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 WILTON RD COLD SPRING HARBOR NY 117242423, COLD SPRING HARBOR, NY 11724-2423

Mortgage

Document Number	0231400458
Date	Jun 3, 2020
Book Page	023140/000458

Lender

Name	CHASE BK/TX
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

April 2020: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	28 WILTON RD, COLD SPRING HARBOR, NY 11724-2423
Document Number	0231400459
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 WILTON RD COLD SPRING HARBOR NY 117242423, COLD SPRING HARBOR, NY 11724-2423

Mortgage

Document Number	0231400459
Date	Jun 3, 2020
Book Page	023140/000459

Lender

Name	CHASE BK/TX
Type	Bank
Address	1111 POLARIS PKWY, COLUMBUS, OH 43240-2031

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jul 26, 2018
Property Address	28 WILTON RD, COLD SPRING HARBOR, NY 11724-2423
Document Number	0129710328
Book / Page	12971 / 328
Instrument Date	Jun 22, 2018
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Huntington Town
Unified School District	Cold Spring Harbor Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$8,250 Land $800 Building $7,450	$1,833,334 (+10,788.72%) Land $177,778 Building $1,655,556
2024	$34,691.00		$16,837 (+3.75%) Land $1,633 Building $15,204
2023		$8,925 Land $800 Building $8,125	$16,228 Land $1,455 Building $14,773

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 28 Wilton Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

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	6 in force
Nearby Flood Claims	2 (2021–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2024 · rainfall accumulation

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 28 Wilton Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	SOUTH HUNTINGTON WATER DISTRICT serves 81,760 people · EPA ID NY5103263
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	28 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 63 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

Cell Coverage

5G (outdoors only) and 4G LTE

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