440 Cottage Pl, Southold, NY 11971 Property Records

Suffolk County and Southold Town property record for 440 Cottage Pl, Southold, NY 11971

Property Summary

Property Type	Single Family Home
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Dec 2009)
Tax Bill	$7,097 (2024)
Deeds & Mortgages	Jan 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`473889 62.-3-16`

Property Details

APN / Parcel Number

Primary APN	`473889 62.-3-16`
Alternative APNs	`1000-062.00-03.00-016.000` `388906200000030160000000` `4738007401` `08`

Exterior

Lot Area	10,890 sqft (0.25 acres)

Location & Zoning

Account Number	08
Street Address	440 COTTAGE PL
City	SOUTHOLD
State	NY
Zip	11971-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Description	BOOK 12187 PAGE 778 BILL 007068
Legal Block	3
Legal Lot Number	16
Jurisdiction	SUFFOLK NY
Township / Civil Division	SOUTHOLD
Census Block Group	2
Census Block	2017
Census Tract	170204

Owner

440 Cottage Pl is owned and occupied by two individuals who bought it in December 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 VERONA ST, BROOKLYN, NY 11231-1717
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2009 · Amount on File
Deed Sale	Dec 18, 2009 · Amount on File
Prior Sale	May 23, 2002 · Amount on File
Deed Book / Page	12610 / 241
Record Updated	Sep 20, 2026

January 2017: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	440 COTTAGE PL, SOUTHOLD, NY 11971-1506
Document Number	0227970628
Instrument Date	Jan 25, 2017
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	ALL STATE ABSTRACT CORPORATION, ALL STATE ABSTRACT CORP.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 COTTAGE PL SOUTHOLD NY 119711506, SOUTHOLD, NY 11971-1506

Mortgage

Document Number	0227970628
Date	Mar 13, 2017
Book Page	022797/000628

Lender

Name	WELLS FARGO BK
Type	Bank
Address	MINNEAPOLIS, MN 55467-8000

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 12, 2037

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Suffolk County and Southold Town assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Southold Town
Unified School District	Southold Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$5,100 Land $800 Building $4,300	$927,273 Land $145,455 Building $781,818
2024	$7,097.00
2023		$5,100 Land $800 Building $4,300	$8,948 Land $1,404 Building $7,544

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 440 Cottage 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
Flood Insurance Cost	Premium on File median of 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	3 (1992–2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 2 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

Wildfire risk around 440 Cottage Pl is low, with less than 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 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 167 locations within half a mile, as of December 31, 2025

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