Suffolk County and Southold Town property record for 340 Locust Ln, Southold, NY 11971
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Mar 2005) |
| Tax Bill | $7,348 (2024) |
| Deeds & Mortgages | Jan 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 473889 62.-3-26 |
| Primary APN | 473889 62.-3-26 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,454 sqft (0.24 acres) |
|---|
| Account Number | 08 |
|---|---|
| Street Address | 340 LOCUST LN |
| City | SOUTHOLD |
| State | NY |
| Zip | 11971-1545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-40 |
| Legal Description | BOOK 12377 PAGE 737 BILL 007075 |
| Legal Subdivision | JANE A COCHRAN |
| Legal Block | 3 |
| Legal Lot Number | 26 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SOUTHOLD |
| Census Block Group | 2 |
| Census Block | 2046 |
| Census Tract | 170204 |
340 Locust Ln is owned and occupied by two individuals who bought it in March 2005.
Source: Suffolk County and Southold Town records, as of August 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 340 LOCUST LN, SOUTHOLD, NY 11971-1545 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 21, 2005 · Amount on File |
| Deed Sale | Mar 21, 2005 · Amount on File |
| Prior Sale | Mar 5, 2001 · Amount on File |
| Deed Book / Page | 12377 / 737 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Jan 12, 2017 |
| Property Address | 340 LOCUST LN, SOUTHOLD, NY 11971-1545 |
| Document Number | 0227770613 |
| Book / Page | 022777 / 000613 |
| Instrument Date | Oct 25, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | ZENITH ABSTRACT COMPANY INC, ZENITH ABSTRACT CO INC |
| Name | Verified Name |
|---|---|
| Address | 340 LOCUST LN SOUTHOLD NY 119711545, SOUTHOLD, NY 11971-1545 |
| Document Number | 227770613 |
|---|---|
| Date | Jan 12, 2017 |
| Book Page | 022777/000613 |
| Name | CAPITAL ONE NA |
|---|---|
| Type | Funding / Finance Company |
| Address | FLORENCE, SC 29502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 11, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: Suffolk County and Southold Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Southold Town |
| Unified School District | Southold Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,000 Land $400 Building $4,600 | $909,091 Land $72,727 Building $836,364 | |
| 2024 | $7,348.00 | ||
| 2023 | $5,000 Land $400 Building $4,600 | $8,772 Land $702 Building $8,070 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 340 Locust Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1992.
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 File median of 46 policies |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 3 (1992–2012) |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| Claims by Event |
|
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 340 Locust Ln 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.
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 167 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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