295 Central Dr, Mattituck, NY 11952 Property Records

Suffolk County and Southold Town property record for 295 Central Dr, Mattituck, NY 11952

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1964
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Sep 2015)
Tax Bill	$12,362 (2024)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473889 106.-3-20`

Property Details

APN / Parcel Number

Primary APN	`473889 106.-3-20`
Alternative APNs	`1000-106.00-03.00-020.000` `388910600000030200000000` `47380013149` `14`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	864 sqft
1st Floor Area	864 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	120 ft deep x 90 ft wide
Garage Area	308 sqft
Porch	Enclosed Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Connected

Location & Zoning

Account Number	14
Street Address	295 CENTRAL DR
City	MATTITUCK
State	NY
Zip	11952-1088
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Description	BOOK 11701 PAGE 221 BILL 012663
Legal Block	3
Legal Lot Number	20
Jurisdiction	SUFFOLK NY
Township / Civil Division	SOUTHOLD
Census Block Group	1
Census Block	1031
Census Tract	170003

Owner

Source: Suffolk County and Southold 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	Company Name on Record
Mailing Address	295 CENTRAL DR, MATTITUCK, NY 11952-1088
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · Commercial Mortgage VELOCITY COMMERCIAL CAPITAL LLC
Jul 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage ANCHOR LNS
May 17, 2017	Grant Deed, Transfer MAIN STREET TITLE, MAIN STREET TITLE AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2015 · Amount on Record
Deed Sale	Sep 23, 2015 · Amount on Record
Deed Book / Page	12833 / 461
Prior Transfer Date	May 19, 1994
Prior Transfer Doc	1170000221
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	295 CENTRAL DR, MATTITUCK, NY 11952-1088
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233050759
Date	Jul 27, 2021
Book Page	23305/759
Instrument	DM025914

Lender

Name	VELOCITY COMMERCIAL CAPITAL LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	295 CENTRAL DR, MATTITUCK, NY 11952-1088
Document Number	0229460478
Instrument Date	Jul 12, 2018
Transaction Type	Mortgage
Record Updated	Sep 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5108 BROWVALE LN LITTLE NECK NY 113621317, LITTLE NECK, NY 11362-1317

Mortgage

Document Number	0229460478
Date	Jul 31, 2018
Book Page	022946/000478

Lender

Name	ANCHOR LNS
Type	Funding / Finance Company
Address	5230 LAS VIRGENES RD # 105, CALABASAS, CA 91302-3447

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	May 17, 2017
Property Address	295 CENTRAL DR, MATTITUCK, NY 11952-1088
Document Number	0129120909
Book / Page	012912 / 000909
Instrument Date	Apr 7, 2017
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	MAIN STREET TITLE, MAIN STREET TITLE AGENCY INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	295 CENTRAL DR MATTITUCK NY 119521088, MATTITUCK, NY 11952-1088

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		$7,900 (-) Land $600 Building $7,300	$1,436,364 (+10,263.38%) Land $109,091 Building $1,327,273
2024	$12,362.00 (+4.98%)
2023		$7,900 (-) Land $600 Building $7,300	$13,860 (+22.81%) Land $1,053 Building $12,807
2022	$11,776.00	$7,900 Land $600 Building $7,300	$11,286 Land $857 Building $10,429

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

Flood

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
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy

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

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.

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 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000

Cell Coverage

5G (outdoors only) and 4G LTE

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