40 Titus Ln, Cold Spring Harbor, NY 11724 Property Records

Suffolk County and Huntington Town property record for 40 Titus Ln, Cold Spring Harbor, NY 11724

Property Summary

Property Type	Single Family Home
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$1,250,000 (Aug 2011)
Tax Bill	$53,335 (2024)
Deeds & Mortgages	Dec 2021 Refinance Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0400-016.00-05.00-005.000`

Property Details

APN / Parcel Number

Primary APN	`0400-016.00-05.00-005.000`
Alternative APNs	`472689 016.00-05.00-005.000` `268901600005000050000000` `47260074790`

Exterior

Lot Area	87,120 sqft

Location & Zoning

Street Address	40 TITUS LN
City	COLD SPRING HARBOR
State	NY
Zip	11724-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R80
Legal Description	BLK LOT
Legal Block	500
Legal Lot Number	5
Jurisdiction	SUFFOLK NY
Township / Civil Division	HUNTINGTON
Census Block Group	3
Census Block	3002
Census Tract	110104

Owner

40 Titus Ln is owned and occupied by two individuals who bought it in August 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 TITUS LN, COLD SPRING HARBOR, NY 11724-1305
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
Dec 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jan 18, 2018	Deed of Trust, Mortgage NICOLE FIAMMETTA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2011 · Amount on File
Deed Sale	Aug 15, 2011 · Amount on File
Deed Book / Page	D12668 / 317
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	40 TITUS LN, COLD SPRING HARBOR, NY 11724-1305
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233580785
Date	Dec 17, 2021
Book Page	23358/785
Instrument	DM053443

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	337 Months
Due	Jan 1, 2050

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	40 TITUS LN, COLD SPRING HARBOR, NY 11724-1305
Document Number	0229010567
Instrument Date	Jan 18, 2018
Transaction Type	Mortgage
Record Updated	Apr 26, 2018
Title Company	VISTA LAND SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 TITUS LN COLD SPRING HARBOR NY 117241305, COLD SPRING HARBOR, NY 11724-1305

Mortgage

Document Number	0229010567
Date	Feb 15, 2018
Book Page	022901/000567

Lender

Name	NICOLE FIAMMETTA
Address	25 BROOKLYN AVE, MASSAPEQUA, NY 11758-4855

Agreement

Amount	Amount on Record

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		$13,250 Land $1,000 Building $12,250	$2,944,444 (+10,788.81%) Land $222,222 Building $2,722,222
2024	$53,335.00		$27,041 (+6.23%) Land $2,041 Building $25,000
2023		$14,000 Land $1,000 Building $13,000	$25,454 Land $1,818 Building $23,636

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 40 Titus Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2017.

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	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

Wildfire risk around 40 Titus Ln 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	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 166 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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