43 Harbor Dr, Sag Harbor, NY 11963 Property Records

Suffolk County and Southampton Town property record for 43 Harbor Dr, Sag Harbor, NY 11963

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,968 sqft · built 2019
Lot Size	0.28 acres (12,197 sqft)
Owner	Company Name on File
Last Sale	$1,865,000 (Apr 2016)
Tax Bill	$15,611 (2020)
Deeds & Mortgages	May 2022 Mortgage Jan 2019 Loan Modification + 2 more
Flood Zone	Zone X (moderate risk)
APN	`0900-009.00-02.00-085.000`

Property Details

APN / Parcel Number

Primary APN	`0900-009.00-02.00-085.000`
Alternative APNs	`473689 009.000-0002-085.000` `368900900000020850000000` `473600123950`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,968 sqft Living Area
1st Floor Area	2,968 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Mobile Home
Exterior Material	Composition/Composite
Foundation Type	No Foundation
Lot Area	12,197 sqft (0.28 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Area	166 sqft
Porch	Porch
Porch Area	88 sqft
Patio Area	154 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Electric
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	43 HARBOR DR
City	SAG HARBOR
State	NY
Zip	11963-1807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	BLK LOT 505-507
Legal Subdivision	BAY POINT
Legal Block	2
Legal Lot Number	85
Jurisdiction	SUFFOLK NY
Township / Civil Division	SOUTHAMPTON
Census Block Group	1
Census Block	1008
Census Tract	190711

Owner

43 Harbor Dr is owned by a company that bought it in April 2016.

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

Owner of Record	Company Name on File
Mailing Address	43 HARBOR DR, SAG HARBOR, NY 11963-1807
Owner Type	Company

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
May 6, 2022	Deed of Trust, Mortgage · ARM CITIZENS BANK
Jan 3, 2019	Loan Modification, Consolidation and Extension, Mortgage CITIZENS BK NA
Jan 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK NA
Jun 29, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2016 · Amount on File
Deed Sale	Apr 7, 2016 · Amount on File
Prior Sale	Feb 24, 2005 · Amount on File
Deed Book / Page	12859 / 603
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	43 HARBOR DR, SAG HARBOR, NY 11963-1807
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234140878
Date	May 6, 2022
Book Page	23414/878

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	349 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.7%
Type Change Date	Feb 1, 2029
Index	Other

January 2019: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	43 HARBOR DR, SAG HARBOR, NY 11963-1807
Document Number	0230640776
Instrument Date	Jan 3, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 HARBOR DR SAG HARBOR NY 119631807, SAG HARBOR, NY 11963-1807

Mortgage

Document Number	0230640776
Date	Sep 27, 2019
Book Page	023064/000776

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	43 HARBOR DR, SAG HARBOR, NY 11963-1807
Document Number	0230170525
Instrument Date	Jan 3, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 HARBOR DR SAG HARBOR NY 119631807, SAG HARBOR, NY 11963-1807

Mortgage

Document Number	0230170525
Date	Apr 5, 2019
Book Page	023017/000525

Lender

Name	CITIZENS BK NA
Address	1 CITIZENS PLZ, PROVIDENCE, RI 02903-1344

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	43 HARBOR DR, SAG HARBOR, NY 11963-1807
Document Number	0228520647
Book / Page	022852 / 000647
Instrument Date	Jun 29, 2017
Transaction Type	Mortgage
Record Updated	Oct 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 HARBOR DR SAG HARBOR NY 119631807, SAG HARBOR, NY 11963-1807

Mortgage

Document Number	0228520647
Date	Sep 7, 2017
Book Page	022852/000647

Lender

Name	CITIZENS BK
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 6, 2042

Interest

Rate Type	Adjustable Rate

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		$2,372,100 Land $1,658,700 Building $713,400
2024			$3,765,238 (+10.32%) Land $2,632,857 Building $1,132,381
2023		$2,372,100 Land $1,658,700 Building $713,400	$3,413,094 Land $2,386,619 Building $1,026,475
2020	$15,611.00

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

Flood

FEMA maps place 43 Harbor Dr in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 191 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	191 in force
Nearby Flood Claims	11 (1991–2024)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Apr 2024 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 5 claims

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

The area around 43 Harbor Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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