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523 Harbor Rd, Cold Spring Harbor, NY 11724 Property Records

Suffolk County and Huntington Town property record for 523 Harbor Rd, Cold Spring Harbor, NY 11724

Property Summary

Property TypeSingle Family Home
Lot Size2.35 acres (102,802 sqft)
OwnerIndividual Name on File
Last Sale$915,000 (Sep 2023)
Deeds & MortgagesJan 2024 Refinance
Sep 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN0400-131.00-01.00-041.000

Property Details

APN / Parcel Number

Primary APN0400-131.00-01.00-041.000
Alternative APNs
  • 472689 131.00-01.00-055.001
  • 472689 131.00-01.00-041.000
  • 0400-131.00-01.00-055.001
  • 268913100001000410000000

Exterior

Lot Area102,802 sqft (2.35 acres)

Location & Zoning

Old Parcel Number268913100001000410000000
Street Address523 HARBOR RD
CityCOLD SPRING HARBOR
StateNY
Zip11724-2105
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR80
Legal DescriptionLOT:55.001 BLK:100 SEC:131.00 DIST:0400-1 CITY/MUNI/TWP:HUNTINGTON
Legal Block100
Legal Lot Number55.001
JurisdictionSUFFOLK NY
Township / Civil DivisionNassau County-Suffolk County, NY
Census Block Group1
Census Block1005
Census Tract110104

Owner

523 Harbor Rd is owned by an individual who bought it in September 2023.

Source: Suffolk County and Huntington Town records, as of March 11, 2024

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 RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address570 BROADWAY APT A23, A23, LYNBROOK, NY 11563-3969
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 4, 2024Deed of Trust, Mortgage · Stand-Alone Refinance
BETHPAGE FCU
Sep 22, 2023Deed, Transfer · Stand-Alone First Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 22, 2023 · Amount on File
Deed SaleSep 22, 2023 · Amount on File
Deed Document Number0013219504
Deed Book / Page13219 / 504
Record UpdatedJun 7, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUFFOLK NY
Property Address523 HARBOR RD, COLD SPRING HARBOR, NY 11724-2105
Transaction TypeMortgage
Record UpdatedMar 26, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0235580490
DateJan 4, 2024
Book Page23558/490
Lender
NameBETHPAGE FCU
TypeCredit Union
Agreement
TypeStand-Alone Refinance
AmountAmount on Record
Term349 Months
DueFeb 1, 2053

September 2023: Deed, Transfer

Document TypeDeed
JurisdictionSUFFOLK NY
Recording DateSep 22, 2023
Property Address523 HARBOR RD, COLD SPRING HARBOR, NY 11724-2105
Document Number0132190504
Book / Page13219 / 504
Instrument DateApr 28, 2023
Transaction TypeTransfer
Record UpdatedMar 15, 2024
Title CompanyADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address570 BROADWAY APT A23, A23, LYNBROOK, NY 11563-3969

Mortgage

Document Number0023537509
DateSep 22, 2023
Instrument23537/509
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

Tax Assessment & Valuation

Source: Suffolk County and Huntington Town assessment roll, as of May 31, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

YearAssessed ValueAssessed Market Value
2023$5,550 Land $1,050 Building $4,500$10,091 Land $1,909 Building $8,182

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 523 Harbor Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims2 (2021–2024)
Claims Outside the SFHA2 of 2
Most Recent ClaimMar 2024 · rainfall accumulation

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 523 Harbor Rd 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 RiskLow
lower than 97% of the US · lower than 96% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSOUTH HUNTINGTON WATER DISTRICT
serves 81,760 people · EPA ID NY5103263
Water SourceGroundwater
Last State InspectionOct 2025
Lead1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting28
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 84 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Optimum
Fiber · Cable		8,000 / 8,000
Verizon
Fiber		2,300 / 2,300

May also be available: Frontier.

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