391 Ruggs Path, Sag Harbor, NY 11963 Property Records

Suffolk County and Southampton Town property record for 391 Ruggs Path, Sag Harbor, NY 11963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,661 sqft · built 2001
Lot Size	2.08 acres (90,605 sqft)
Owner	Individual Name on Record
Last Sale	$665,000 (Dec 1999)
Tax Bill	$9,784 (2020)
Deeds & Mortgages	Aug 2022 Refinance Aug 2011 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`0900-014.00-01.00-069.001`

Property Details

APN / Parcel Number

Primary APN	`0900-014.00-01.00-069.001`
Alternative APNs	`473689 014.000-0001-069.001` `368901400000010690010000` `473600128680`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,661 sqft Living Area
1st Floor Area	2,661 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Mobile Home
Exterior Material	Wood
Lot Area	90,605 sqft
View / Lot	Below Average
Porch	Porch
Porch Area	665 sqft
Patio Area	558 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	391 RUGGS PATH
City	SAG HARBOR
State	NY
Zip	11963-2200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R80
Legal Description	88 EQ +1500
Legal Block	1
Legal Lot Number	69
Jurisdiction	SUFFOLK NY
Township / Civil Division	SOUTHAMPTON
Census Block Group	3
Census Block	3010
Census Tract	190711

Owner

Source: Suffolk County and Southampton 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	903 PARK AVE, 14A, NEW YORK, NY 10075-0362
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Aug 30, 2011	Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage CITIBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 1999 · Amount on Record
Deed Sale	Dec 9, 1999 · Amount on Record
Prior Sale	Mar 21, 1997 · Amount on Record
Deed Book / Page	12006 / 022
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	391 RUGGS PATH, SAG HARBOR, NY 11963-2200
Transaction Type	Mortgage
Record Updated	Nov 14, 2023
Title Company	FIDELITY NATIONAL TITLE MA, FIDELITY NATIONAL TITLE (AKA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234450999
Date	Aug 9, 2022
Book Page	23445/999

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Sep 1, 2041

August 2011: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	391 RUGGS PATH, SAG HARBOR, NY 11963-2200
Document Number	0230350021
Instrument Date	Aug 30, 2011
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 PARK AVE #14A NEW YORK NY 100750362, 14A, NEW YORK, NY 10075-0362

Mortgage

Document Number	0230350021
Date	Jun 14, 2019
Book Page	023035/000021

Lender

Name	CITIBANK
Type	Bank
Address	1000 TECHNOLOGY DR, O FALLON, MO 63368-2239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Jun 13, 2041

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Southampton Town
Unified School District	Sag Harbor Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,464,900 (-) Land $857,300 Building $607,600
2024			$2,325,238 (+10.32%) Land $1,360,794 Building $964,444
2023		$1,464,900 Land $857,300 Building $607,600	$2,107,770 Land $1,233,525 Building $874,245
2020	$9,784.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 29 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 97.9% 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	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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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