89 Cobb Rd, Water Mill, NY 11976 Property Records

Suffolk County and Southampton Town property record for 89 Cobb Rd, Water Mill, NY 11976

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,301 sqft · built 2010
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$3,755,000 (Feb 2021)
Tax Bill	$12,902 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2021 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`0900-160.00-01.00-015.000`

Property Details

APN / Parcel Number

Primary APN	`0900-160.00-01.00-015.000`
Alternative APNs	`473689 160.000-0001-015.000` `368916000000010150000000` `473600297300`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,301 sqft Living Area
1st Floor Area	2,301 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Mobile Home
Exterior Material	Wood
Lot Area	20,473 sqft (0.47 acres)
View / Lot	Below Average
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	775 sqft
Patio Area	1,700 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	89 COBB RD
City	WATER MILL
State	NY
Zip	11976-2705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	N-BLOOM E-FLYING POINT RD S-SPITZ W-BLOOM
Legal Block	1
Legal Lot Number	15
Jurisdiction	SUFFOLK NY
Township / Civil Division	SOUTHAMPTON
Census Block Group	3
Census Block	3019
Census Tract	190712

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 1353, WATER MILL, NY 11976-1353
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2021	Deed of Trust, Mortgage · ARM GOLDMAN SACHS BANK USA
Feb 8, 2021	Deed, Transfer
Aug 30, 2017	Grant Deed, Transfer NATIONAL GRANITE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2021 · Amount on Record
Deed Sale	Feb 8, 2021 · Amount on Record
Prior Sale	Aug 30, 2017 · Amount on Record
Deed Book / Page	13090 / 424
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	89 COBB RD, WATER MILL, NY 11976-2705
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233610620
Date	Dec 24, 2021
Book Page	23361/620
Instrument	DM055270

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Feb 8, 2021
Property Address	89 COBB RD, WATER MILL, NY 11976-2705
Document Number	0130900424
Book / Page	13090 / 424
Instrument Date	Jan 22, 2021
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 PANTIGO RD, EAST HAMPTON, NY 11937-6103

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Aug 30, 2017
Property Address	89 COBB RD, WATER MILL, NY 11976-2705
Document Number	0129270550
Book / Page	012927 / 000550
Instrument Date	Aug 1, 2017
Transaction Type	Transfer
Record Updated	Oct 18, 2017
Title Company	NATIONAL GRANITE TITLE

Transaction

Amount	Amount Recorded
Tax	$7,600.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1215 5TH AVE NEW YORK NY 100295209, NEW YORK, NY 10029-5209

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$3,063,700 (-) Land $1,506,200 Building $1,557,500	$4,863,016 (-) Land $2,390,794 Building $2,472,222
2024	$12,902.00 (+59.15%)		$4,863,016 (+10.32%) Land $2,390,794 Building $2,472,222
2023		$3,063,700 Land $1,506,200 Building $1,557,500	$4,408,201 Land $2,167,194 Building $2,241,007
2020	$8,107.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 261 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	261 in force
Nearby Flood Claims	11 (2005–2023)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Jul 2023 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 4 claims Severe Storms And Flooding, Mar 2010 · 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

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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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