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445 Main St, Cold Spring Harbor, NY 11724 Property Records

Suffolk County and Huntington Town property record for 445 Main St, Cold Spring Harbor, NY 11724 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Lot Size0.25 acres (10,890 sqft)
Owner2 Individual Names on File
Last Sale$635,000 (Dec 2007)
Tax Bill$12,269 (2024)
Deeds & MortgagesJan 2017 Mortgage
Apr 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN0400-017.00-02.00-029.000

Property Details

APN / Parcel Number

Primary APN0400-017.00-02.00-029.000
Alternative APNs
  • 472689 017.00-02.00-029.000
  • 268901700002000290000000
  • 47260075820

Exterior

Lot Area10,890 sqft (0.25 acres)

Location & Zoning

Street Address445 MAIN ST
CityCOLD SPRING HARBOR
StateNY
Zip11724-1408
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBLK LOT
Legal Block200
Legal Lot Number29
JurisdictionSUFFOLK NY
Township / Civil DivisionHUNTINGTON
Census Block Group3
Census Block3000
Census Tract110104

Owner

Source: Suffolk County and Huntington Town records · APN 0400-017.00-02.00-029.000

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 Record2 Individual Names on File
Mailing Address445 MAIN ST, COLD SPRING HARBOR, NY 11724-1408
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 27, 2017Deed of Trust, Mortgage · Conventional Mortgage
VANGUARD FNDG
Apr 04, 2017Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI
VANGUARD FNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 05, 2007 · Amount on Record
Deed SaleDec 05, 2007 · Amount on Record
Deed Book / Page12532 / 706
Record UpdatedSep 20, 2026

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUFFOLK NY
Property Address445 MAIN ST, COLD SPRING HARBOR, NY 11724-1408
Document Number0228050115
Instrument DateJan 27, 2017
Transaction TypeMortgage
Record UpdatedJan 10, 2019
Title CompanyEQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 MAIN ST COLD SPRING HARBOR NY 117241408, COLD SPRING HARBOR, NY 11724-1408

Mortgage

Document Number0228050115
DateApr 04, 2017
Book Page022805/000115
Lender
NameVANGUARD FNDG
TypeFunding / Finance Company
AddressGARDEN CITY, NY 11530
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 03, 2047

April 2017: Loan Modification, Consolidation and Extension, Mortgage

Document TypeLoan Modification, Consolidation and Extension
JurisdictionSUFFOLK NY
Recording DateApr 04, 2017
Property Address445 MAIN ST, COLD SPRING HARBOR, NY 11724-1408
Document Number0228050116
Book / Page022805 / 000116
Instrument DateJan 27, 2017
Transaction TypeMortgage
Record UpdatedJan 14, 2020
Title CompanyEQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address445 MAIN ST COLD SPRING HARBOR NY 117241408, COLD SPRING HARBOR, NY 11724-1408

Mortgage

Document Number228050116
DateApr 04, 2017
Book Page022805/000116
Lender
NameVANGUARD FNDG
TypeFunding / Finance Company
AddressGARDEN CITY, NY 11530
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueApr 03, 2047
Interest
Rate TypeFixed Rate
Rate4.5%

Tax Assessment & Valuation

Source: Suffolk County and Huntington Town records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateNew York
CountySuffolk County
County SubdivisionHuntington Town
Unified School DistrictCold Spring Harbor Central School District (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$3,750 (-) Land $650 Building $3,100$833,333 (+10,787.55%) Land $144,444 Building $688,889
2024$12,269.00$7,654 (+12.26%) Land $1,327 Building $6,327
2023$3,750 Land $650 Building $3,100$6,818 Land $1,182 Building $5,636

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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