19 Mallard Drive, Lloyd Harbor, NY 11743

$3,999,000 · 6 bed · 9 bath · 10,500 sq ft · built 1988 · MLS# 986062 · Active

Swan's Cove — Where The Bay becomes your BackYard. Some homes have a view. Swan's Cove has a horizon. Set on Lloyd Neck's storied Gold Coast, this 10,500-square-foot waterfront estate was designed so that every room — across three sweeping levels — turns toward the water, capturing Long Island Sound and Oyster Bay in a panorama that shifts from silver morning mist to gold-lit sails to a full western sunset, night after night. Tucked at the end of a private road in the Cold Spring Harbor School District, Swan's Cove…

Single-family homes in the Cold Spring Harbor Central School District sold for a median of $2,300,000 (typically $1,825,000–$2,900,000) across 68 recorded sales between Oct 7, 2025 and Sep 18, 2026, up 15% on the 12 months before. This home's $3,999,000 list price sits in the upper single-family tier for the Cold Spring Harbor Central School District.

ZIP 11743 has about 3.2 months of single family inventory — seller's market. Demand is outpacing supply, so homes sell quickly with firm pricing and limited room to negotiate.

At about $59,947 a year, this home's property tax runs roughly 107% above the $29,000 typical for Cold Spring Harbor Central School District. Suffolk bills combine town, school and special-district levies, so two homes at the same price in neighboring districts can carry materially different taxes. Exemptions such as STAR, Senior or Veteran move the number as well — a new owner's bill is often not the same as the seller's.

OneKey MLS (recorded LI sales, trailing 12mo) + actual tax