Suffolk County and Huntington Town property record for 4 Terrace Pl, Cold Spring Harbor, NY 11724
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Feb 2001) |
| Tax Bill | $11,881 (2024) |
| Deeds & Mortgages | Apr 2026 Sale Apr 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0400-064.00-01.00-030.000 |
| Primary APN | 0400-064.00-01.00-030.000 |
|---|---|
| Alternative APNs |
|
| Lot Area | 3,920 sqft (0.09 acres) |
|---|
| Street Address | 4 TERRACE PL |
|---|---|
| City | COLD SPRING HARBOR |
| State | NY |
| Zip | 11724-1509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R40 |
| Legal Description | BLK LOT |
| Legal Subdivision | HARBOR TER |
| Legal Block | 100 |
| Legal Lot Number | 30 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | HUNTINGTON |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 110104 |
4 Terrace Pl is owned and occupied by an individual who acquired it in April 2026.
Source: Suffolk County and Huntington Town records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4 TERRACE PL, COLD SPRING HARBOR, NY 11724-1509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Apr 14, 2026 | Deed, Transfer |
| Apr 15, 2022 | Deed of Trust, Mortgage · ARM NEW JERSEY LENDERS CORP |
| Sep 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NJ LENDERS |
| Sep 27, 2019 | Loan Modification, Consolidation and Extension, Mortgage NJ LENDERS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2001 · Amount on File |
| Deed Sale | Feb 28, 2001 · Amount on File |
| Deed Book / Page | 12104 / 843 |
| Last Transfer Date | Apr 6, 2026 |
| Transfer Doc | 0133320893 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Apr 14, 2026 |
| Property Address | 4 TERRACE PL, COLD SPRING HARBOR, NY 11724-1509 |
| Document Number | 0133320893 |
| Book / Page | 13332 / 893 |
| Instrument Date | Apr 6, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 TERRACE PL, COLD SPRING HARBOR, NY 11724-1509 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 4 TERRACE PL, COLD SPRING HARBOR, NY 11724-1509 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0234050335 |
|---|---|
| Date | Apr 15, 2022 |
| Book Page | 23405/335 |
| Instrument | DN002983 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Apr 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 4 TERRACE PL, COLD SPRING HARBOR, NY 11724-1509 |
| Document Number | 0231150673 |
| Instrument Date | Sep 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4 TERRACE PL COLD SPRING HARBOR NY 117241509, COLD SPRING HARBOR, NY 11724-1509 |
| Document Number | 0231150673 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 023115/000673 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 16, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 4 TERRACE PL, COLD SPRING HARBOR, NY 11724-1509 |
| Document Number | 0231150674 |
| Instrument Date | Sep 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4 TERRACE PL COLD SPRING HARBOR NY 117241509, COLD SPRING HARBOR, NY 11724-1509 |
| Document Number | 0231150674 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 023115/000674 |
| Name | NJ LENDERS |
|---|---|
| Address | LITTLE FALLS, NJ 07424 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 16, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
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 | $3,075 Land $150 Building $2,925 | $683,333 (+10,789.77%) Land $33,333 Building $650,000 | |
| 2024 | $11,881.00 | $6,275 (+12.23%) Land $306 Building $5,969 | |
| 2023 | $3,075 Land $150 Building $2,925 | $5,591 Land $273 Building $5,318 |
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 4 Terrace Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 4 Terrace Pl 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.
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 94 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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