Suffolk County and Southampton Town property record for 44 Joels Ln, Sag Harbor, NY 11963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,890 sqft · built 2009 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,221 (2024) |
| Deeds & Mortgages | Jun 2023 Refinance Dec 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0903-007.00-01.00-001.007 |
| Primary APN | 0903-007.00-01.00-001.007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,890 sqft Living Area |
| 1st Floor Area | 1,890 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Mobile Home |
| Exterior Material | Wood |
| Lot Area | 20,038 sqft (0.46 acres) |
| View / Lot | Below Average |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 480 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 44 JOELS LN |
|---|---|
| City | SAG HARBOR |
| State | NY |
| Zip | 11963-3427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VILLA |
| Legal Description | 1987 LD EQ + 900 |
| Legal Subdivision | ROUND POND ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SOUTHAMPTON |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 190708 |
44 Joels Ln is owned and occupied by two individuals who acquired it in May 1995.
Source: Suffolk County and Southampton Town records, as of August 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 44 JOELS LN, SAG HARBOR, NY 11963-3427 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance SUFFOLK FCU |
| Dec 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC |
| May 6, 2019 | Deed of Trust, Mortgage · Balloon Mortgage SUFFOLK FCU |
| Jun 8, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Jan 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 30, 1995 |
| Transfer Doc | 1172000226 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 44 JOELS LN, SAG HARBOR, NY 11963-3427 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0235160864 |
|---|---|
| Date | Jun 30, 2023 |
| Book Page | 23516/864 |
| Name | SUFFOLK FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 44 JOELS LN, SAG HARBOR, NY 11963-3427 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0233570827 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 23357/827 |
| Instrument | DM053020 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 44 JOELS LN, SAG HARBOR, NY 11963-3427 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0230250400 |
|---|---|
| Date | May 6, 2019 |
| Book Page | 23025/400 |
| Instrument | DK004011 |
| Name | SUFFOLK FCU |
|---|---|
| Type | Credit Union |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jun 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 44 JOELS LN, SAG HARBOR, NY 11963-3427 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0229330118 |
|---|---|
| Date | Jun 8, 2018 |
| Book Page | 22933/118 |
| Instrument | 18-0105379 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Jul 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 44 JOELS LN, SAG HARBOR, NY 11963-3427 |
| Document Number | 0229060124 |
| Instrument Date | Jan 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2018 |
| Title Company | TITLE SOURCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 44 JOELS LN SAG HARBOR NY 119633427, SAG HARBOR, NY 11963-3427 |
| Document Number | 0229060124 |
|---|---|
| Date | Mar 5, 2018 |
| Book Page | 022906/000124 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 4, 2048 |
Source: Suffolk County and Southampton Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Southampton Town |
| Municipality | Sag Harbor Village |
| Unified School District | Sag Harbor Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,159,600 Land $841,000 Building $318,600 | $1,840,635 (-) Land $1,334,921 Building $505,714 | |
| 2024 | $3,221.00 | $1,840,635 (+10.32%) Land $1,334,921 Building $505,714 | |
| 2023 | $1,159,600 Land $841,000 Building $318,600 | $1,668,489 Land $1,210,072 Building $458,417 | |
| 2020 | $5,946.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 Joels Ln in Zone X, an area of minimal flood risk, though there have been 86 flood claims nearby since 1978.
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 File median of 37 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 86 (1978–2024) |
| Claims Outside the SFHA | 14 of 86 |
| Most Recent Claim | Aug 2024 · Severe Storm And Flooding |
| Claims by Event |
|
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 44 Joels Ln is low, with a 0.01% 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 | 0.01% 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 305 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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