Suffolk County and Southold Town property record for 435 Luptons Point Rd, Mattituck, NY 11952
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $11,548 (2024) |
| Deeds & Mortgages | Nov 2018 Mortgage Apr 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 473889 115.-11-1 |
| Primary APN | 473889 115.-11-1 |
|---|---|
| Alternative APNs |
|
| Lot Area | 16,988 sqft (0.39 acres) |
|---|
| Account Number | 14 |
|---|---|
| Street Address | 435 LUPTONS POINT RD |
| City | MATTITUCK |
| State | NY |
| Zip | 11952-2275 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-40 |
| Legal Description | BOOK 11636 PAGE 589 BILL 014673 |
| Legal Block | 11 |
| Legal Lot Number | 1 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SOUTHOLD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 170004 |
Source: Suffolk County and Southold Town records · APN 473889 115.-11-1
Assessment roll updated August 11, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 435 LUPTONS POINT RD, MATTITUCK, NY 11952-2275 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2018 | Deed of Trust, Mortgage · Balloon Mortgage BANK OF AMERICA NA |
| Apr 30, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 435 LUPTONS POINT RD, MATTITUCK, NY 11952-2275 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0229770710 |
|---|---|
| Date | Nov 14, 2018 |
| Book Page | 22977/710 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Dec 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 435 LUPTONS POINT RD, MATTITUCK, NY 11952-2275 |
| Document Number | 0231360014 |
| Instrument Date | Apr 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 435 LUPTONS POINT RD MATTITUCK NY 119522275, MATTITUCK, NY 11952-2275 |
| Document Number | 0231360014 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 023136/000014 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 17, 2050 |
| Rate Type | Adjustable Rate |
|---|
Source: Suffolk County and Southold Town records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Southold Town |
| Unified School District | Mattituck-Cutchogue Union Free School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,200 (-) Land $1,100 Building $7,100 | $1,490,909 (+10,263.61%) Land $200,000 Building $1,290,909 | |
| 2024 | $11,548.00 | ||
| 2023 | $8,200 Land $1,100 Building $7,100 | $14,386 Land $1,930 Building $12,456 |
Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031700041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
| Flood Insurance Cost | Premium on Record median of 102 policies |
| Nearby Flood Policies | 102 in force |
| Nearby Flood Claims | 7 (1994–2024) |
| Claims Outside the SFHA | 2 of 7 |
| Most Recent Claim | Aug 2024 · Severe Storm And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 51 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Communications Fiber · Cable | 8,000 / 8,000 |
May also be available: T-Mobile USA.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | SUFFOLK COUNTY WATER AUTHORITY serves 1,100,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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