Living in Lloyd Harbor
Key metrics and insights for homebuyers and sellers evaluating Lloyd Harbor, Suffolk, NY 11743.
How far is Lloyd Harbor from New York City by train?
From Oyster Bay Station on the LIRR Oyster Bay Branch, scheduled weekday AM-peak service takes about 77 minutes to Penn Station, 77 minutes to Grand Central Madison, 78 minutes to Atlantic Terminal in Brooklyn (MTA LIRR timetable data).
Is Lloyd Harbor walkable?
Lloyd Harbor has a Walk Score of 4 out of 100, which Walk Score rates "Car-Dependent".
Nearby Long Island Rail Road stations and typical weekday AM-peak travel times to the Manhattan and Brooklyn terminals. Many Lloyd Harbor residents use whichever station best fits their branch and schedule.
AM-peak travel times on scheduled LIRR service to Penn Station, Grand Central Madison, and Atlantic Terminal (Brooklyn). Based on MTA LIRR public timetable data.
Lloyd Harbor Market Data
Current market conditions and pricing trends for Lloyd Harbor, Suffolk, NY.
Single-family, condo and co-op homes are measured separately — these medians are never blended together. Based on 418 recorded closings in ZIP 11743 between Sep 10, 2025 and Sep 10, 2026 — a settled trailing twelve months, ending about a month back so late-recorded closings are counted rather than missed. Days on market are medians, not averages. A property type with fewer than 8 closed sales in that window is left out rather than published on a sample too thin to mean anything.
Momentum in 11743 has been building over the past 2 years — the median sale price has climbed roughly 6% year over year to about $1.06M while time on market has generally shortened. That combination points to conditions favoring sellers — and if it continues, further firming is possible.
Based on information from OneKey® MLS, for the period October 7, 2025 through September 18, 2026. Source: OneKey MLS (recorded LI sales, trailing 12mo) + actual tax. Based on 68 recorded sales. Property tax values shown are algorithmic estimates calculated from official NY State ORPS / NYC Department of Finance assessment data aggregated by school district (Long Island) or ZIP code (NYC). These figures are an educational baseline and do not represent a guaranteed or binding tax bill. Actual taxes vary based on individual assessed value, applicable exemptions (STAR, Senior, Veteran), historical grievances, village overlays, and special district levies. Verify exact tax with the Nassau County Assessor / Suffolk County Comptroller / NYC Department of Finance before any financial commitment.
Across 8 years of county-clerk records, 25 homes in the Cold Spring Harbor school district were bought by a company and resold within two years. Over the whole period the typical one was bought for $950,000 and resold for $1,150,000, a median of 9.5 months later.
That difference is gross. Renovation, carrying, financing and selling costs are not recorded anywhere public, so it is the change in price, not a profit. Over a hold of that length prices across the county moved about +4.1%, so most of the difference is not the market carrying the house.
What these homes resold for moved from a median of $1,345,000 in 2017 to $1,125,000 in 2024, down about 16% over the period.
The pandemic years cut against the intuition that investors moved in. Companies bought 8.6% of homes here in 2019, then 7.4% in 2020 and 9.4% in 2021. In the two years when buyers competed hardest, companies won a smaller share, not a larger one. The number bought and resold within two years fell with it, from 3 in 2019 to 2 in 2021.
Since then it has reversed. Company buying reached 23.8% in 2024 — above its pre-pandemic level, while the market cooled.
No company bought and resold a home in the Cold Spring Harbor school district within two years in 2025.
Companies bought 13.9% of the 72 homes sold in the Cold Spring Harbor school district that year (10 of them).
2025 is not a complete year here. Filings reach the state months after closing, so 2025 runs only to October and its totals will keep rising. Its counts are not comparable with a full year; its medians are.
In 2024, 4 homes in the Cold Spring Harbor school district were resold by a company that had bought them within two years — too few to quote a typical price from.
Companies bought 23.8% of the 80 homes sold in the Cold Spring Harbor school district that year (19 of them).
In 2023, 6 homes in the Cold Spring Harbor school district were resold by a company that had bought them within two years — too few to quote a typical price from.
Companies bought 26.3% of the 95 homes sold in the Cold Spring Harbor school district that year (25 of them).
In 2022, 2 homes in the Cold Spring Harbor school district were resold by a company that had bought them within two years — too few to quote a typical price from.
Companies bought 18.1% of the 94 homes sold in the Cold Spring Harbor school district that year (17 of them).
In 2021, 2 homes in the Cold Spring Harbor school district were resold by a company that had bought them within two years — too few to quote a typical price from.
Companies bought 9.4% of the 171 homes sold in the Cold Spring Harbor school district that year (16 of them).
In 2020, 2 homes in the Cold Spring Harbor school district were resold by a company that had bought them within two years — too few to quote a typical price from.
Companies bought 7.4% of the 108 homes sold in the Cold Spring Harbor school district that year (8 of them).
In 2019, 3 homes in the Cold Spring Harbor school district were resold by a company that had bought them within two years — too few to quote a typical price from.
Companies bought 8.6% of the 105 homes sold in the Cold Spring Harbor school district that year (9 of them).
In 2018, 5 homes in the Cold Spring Harbor school district were resold by a company that had bought them within two years — too few to quote a typical price from.
Companies bought 7.2% of the 111 homes sold in the Cold Spring Harbor school district that year (8 of them).
In 2017, 1 home in the Cold Spring Harbor school district was resold by a company that had bought it within two years — too few to quote a typical price from.
Companies bought 9.7% of the 124 homes sold in the Cold Spring Harbor school district that year (12 of them).
Source: property transfers recorded with the county clerk, which cover every sale rather than only those listed for sale. Filings reach the state months after closing, so these figures run to October 2025 and describe what has already happened rather than the market today.
Between 2017 and October 2025, 93 homes in the Cold Spring Harbor school district passed between family members rather than being sold — about 10 for every 100 that sold on the open market.
87% of them recorded no price at all, so they appear in no market statistic, no listing history and no sold comparable. They are counted here because the transfer itself is filed with the county clerk, whether or not money changed hands.
Counted from the reason recorded on each transfer with the county clerk, not from the price. Transfers filed only to add or remove a name on the deed are excluded — those are paperwork, not a change of owner. Where a filing gives no reason it is not counted, so these are minimum counts rather than a complete rate, and they run to October 2025.
Of the 15 homes for sale in Lloyd Harbor today, 4 are now asking less than they originally asked — 26.7%, against 34.9% across Suffolk. 3 sellers have raised their asking price.
And among the homes that actually sold
9 of the 35 homes that sold in Lloyd Harbor over the last twelve settled months had cut their price before they sold, against 10 of 29 over the same twelve months a year earlier. At these volumes the two years are too few sales apart to call a direction — the counts are exact, the trend is not yet one.
Measured from the OneKey MLS feed, updated daily. A home counts as reduced when its current asking price is below the price it was first listed at — not against an estimate or against other homes. The for-sale figures describe homes available today; the sold figures describe closed sales between September 2025 and August 2026.
What This Means for Sellers
Lloyd Harbor reads as a Seller's Market: about 3.2 months of single-family supply, and homes sold in a median of 22 days over the past 12 months. If you're considering selling, this market rewards strategic pricing — not overpricing. A properly positioned listing will attract qualified buyers and maximize your net proceeds.
What This Means for Buyers
Buyers in Lloyd Harbor should be prepared to act quickly and come with strong offers. Pre-approval is essential, and buyers are generally better served retaining their own real estate attorney early to review the negotiation and contract. Expect competition, but don't overpay — there's a difference between being competitive and being reckless.
The listings that did not sell asked a median of $3,999,000 — 60% above the $2,500,000 median of the homes that closed. Counted over the trailing twelve months: every listing that closed, expired, was withdrawn or was terminated. Listings still active or under contract are not counted on either side. If the feed does not retain every withdrawn listing, the real figure is higher than the one shown, never lower.
Based on information from OneKey® MLS, for the period September 10, 2025 through September 10, 2026.
Flood informationLloyd Harbor: FEMA flood dataMedian NFIP cost, single-family homes, ZIP 11743: $620 a year (Aug 2026)
Median yearly cost by FEMA zone: high-risk A zones $3,640 (25 policies); coastal high-risk V zones $1,870 (5 policies, small sample); moderate- to low-risk zones (X, B, C) $550 (181 policies).
Cost trend, ZIP 11743
Median yearly cost of single-family NFIP policies taking effect each month.
In ZIP 11743, the typical monthly median yearly cost of single-family NFIP policies taking effect in March through August 2026 was $720, 9% higher than the typical month in March through August 2025 ($660). Based on 81 and 84 policies.
FEMA flood-loss ratings
FEMA's National Risk Index rates each census tract's expected yearly losses from flooding against every census tract in the country. For the 1 census tract in Lloyd Harbor (village):
Coastal flooding
- Relatively Moderate 1
Inland flooding (heavy rain, streams)
- Relatively Low 1
Check a specific address
Look up the FEMA flood zone for any address: FEMA Flood Map Service Center · FloodSmart (FEMA).
Flood data for Suffolk County: costs by ZIP, trend and FEMA ratings →Calculated from FEMA policy data (as of Sep 8, 2026) and FEMA's NFIP residential penetration rates; ratings are FEMA's own labels from the National Risk Index (December 2025). Yearly cost is premium plus FEMA fees, single-family NFIP policies only; the insured share is residential NFIP contracts as a share of all residential buildings. Private flood insurance is not included. Not a flood-zone determination, insurance advice or a quote. Each building is priced individually.
What It's Like Living in Lloyd Harbor
Lloyd Harbor is one of Suffolk's most established residential communities, offering a distinctive blend of suburban character and metropolitan accessibility. Located in the 11743 zip code, the community is served by the Cold Spring Harbor Central School District.
With a median home price of $999,000 and a median recorded property tax of $16,100 annually, Lloyd Harbor pairs an established housing stock with direct access to New York City. The commute to Manhattan averages approximately 77 min via the Long Island Rail Road.
Lloyd Harbor's housing splits across ownership forms — coops selling at a median of $440K, condos selling at a median of $835K, single-family homes selling at a median of $999K — and the differences go well beyond price. Day to day, apartment ownership trades yard work and building upkeep for a monthly charge and house rules; a house trades the monthly charge for full control — and full responsibility. Both coop and condo buildings are active markets here — see the segment data above for how each is currently moving.
Joseph's Insider Guide to Lloyd Harbor
Direct answers informed by 5,000+ closed transactions across Nassau, Suffolk, Queens and Brooklyn — not the canned content you'd find on any listing portal.
Is Lloyd Harbor a good place to live for commuters?
The LIRR connects Lloyd Harbor to Penn Station and Grand Central Madison in approximately 77 min. Peak express service, station parking and walk-to-station distance vary by address, and those three factors decide what a commute actually looks like day to day.
What are property tax trends in Lloyd Harbor, NY?
Lloyd Harbor homeowners pay a median of approximately $16,100 a year in property taxes — the median of the tax figures actually recorded on homes sold here, not an estimate. The bill funds school-district, county, town, and special-district services. Taxes are assessed parcel by parcel, so two similar homes on the same street can carry very different bills — confirm the actual assessment on a specific address before relying on it.
Is now a good time to buy or sell in Lloyd Harbor?
Lloyd Harbor is currently a Seller's Market, with homes selling in about 22 days. Prices have moved +15% year-over-year. Timing decisions depend on your specific situation — contact Joseph for a no-cost strategy session tailored to your property and goals.
What makes Lloyd Harbor different from other Suffolk communities?
Lloyd Harbor is a long-established community served by the Cold Spring Harbor Central School District. Prices and activity vary by property type, school district, condition and price band; the figures above show where this market stands now.
What should buyers know before making an offer in Lloyd Harbor?
School district boundaries in Lloyd Harbor often run street by street — two blocks can mean a different school zone, so confirming a home's exact attendance zone before you make an offer matters. As an Associate Broker who is also an attorney, Joseph reads title and contract details differently than most agents — and when the facts of a deal are in front of him, he knows what's worth asking about. (Not a substitute for your own attorney's representation.)
Is Lloyd Harbor walkable for everyday living?
Lloyd Harbor has a Walk Score of 4/100, measured at a single point near the centre of Lloyd Harbor. Walkability varies street by street, so check the score for a specific address; the LIRR provides Manhattan access in approximately 77 min.
Planning a Move to Lloyd Harbor?
Get the Lloyd Harbor Relocation Guide — schools, commute options, live market data, and insider neighborhood details compiled by an Associate Broker who is also an attorney.
Explore Lloyd Harbor
The latest from Lloyd Harbor — local news, community events, and neighborhood highlights.
Schools in Lloyd Harbor, NY
Lloyd Harbor is served by the Cold Spring Harbor Central School District. Attendance zones on Long Island are assigned street by street, so a Lloyd Harbor mailing address does not by itself determine which school a home is zoned for.
- Elementary
- Goosehill Primary Center Lloyd Harbor School West Side School
- High
- Cold Spring Harbor High School
These are the schools recorded on homes sold in this district over the last 12 months — the district may also serve neighbouring communities. Zones can change and run street by street — we confirm the exact assignment for any home before you offer.
Typical value is the median recorded sale price in the district. Typical annual tax and effective rate are the median recorded tax bill and that bill divided by the median sale price, across 70 recent sales carrying a reported tax figure — an observed cost ratio, not an official millage rate. District boundaries can cross town and postal lines, so always verify the district for a specific address.
See every Suffolk school district, its schools and its tax rates →
Lloyd Harbor Schools — Frequently Asked Questions
What school district serves Lloyd Harbor?
Lloyd Harbor is served by the Cold Spring Harbor Central School District. District boundaries on Long Island often run street by street, so we confirm the district and attendance zone for a specific address before you make an offer.
What schools are zoned for Lloyd Harbor?
Lloyd Harbor is served by the Cold Spring Harbor Central School District, which records these schools on homes sold in the district — elementary: Goosehill Primary Center, Lloyd Harbor School, West Side School; high: Cold Spring Harbor High School. Districts with more than one school at a level assign students by street, so confirm a specific address before relying on it.
What high school do Lloyd Harbor students attend?
Lloyd Harbor students attend Cold Spring Harbor High School, part of the Cold Spring Harbor Central School District.
School district boundaries on Long Island often run street by street, so a Lloyd Harbor mailing address doesn't guarantee a given school. We confirm a home's exact attendance zone before you make an offer.
Lloyd Harbor on the Map
Explore Lloyd Harbor and nearby areas. Zoom in to see neighborhoods, schools, transit, and local amenities.
Looking to Buy in Lloyd Harbor?
Browse available properties or let Joseph find the right home for you — with the read of an Associate Broker who is also an attorney.
Homes for Sale in Lloyd Harbor, NY
105 active listings currently on the market in Lloyd Harbor. Data refreshed from the MLS in real time.
Active 10d
Colonial
Active 50d
Colonial
Active 19d
Hi Ranch
Active 18d
Split Level
Active 2d
Exp Ranch
Active 58d
Colonial
Listings courtesy of OneKey® MLS as distributed by MLS GRID.
Based on information submitted to the MLS GRID as of October 10, 2026 7:30 pm. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Personal-use terms and which listings this site shows: MLS & Data Disclosures
Showing 6 of 105 active listings
View All 105 Listings in Lloyd HarborRecently Closed in Lloyd Harbor
221 closed sales found. Recent transactions provide real-world context for current market values. For a full Comparative Market Analysis of your property, request a complimentary CMA.
← swipe to view all →
| Address | Type | Beds / Ba | Sq Ft | Closed | Sale Price | $/Sq Ft | DOM |
|---|---|---|---|---|---|---|---|
| Cape Cod | 4 bd / 2 ba | 1,907 | — | Sign in to view | — | 0d | |
| Single Family | 2 bd / 3 ba | — | — | Sign in to view | — | 5d | |
| Cape Cod | 4 bd / 1 ba | — | — | Sign in to view | — | 10d | |
| Single Family | 2 bd / 3 ba | — | — | Sign in to view | — | 2d | |
| Colonial | 4 bd / 3 ba | 2,500 | — | Sign in to view | — | 10d | |
| Exp Cape | 4 bd / 2 ba | 2,177 | — | Sign in to view | — | 10d | |
| Colonial | 3 bd / 3 ba | 2,400 | — | Sign in to view | — | 24d | |
| Colonial | 4 bd / 3 ba | 3,000 | — | Sign in to view | — | 8d | |
| Ranch | 3 bd / 2 ba | 2,338 | — | Sign in to view | — | 10d | |
| Split Level | 3 bd / 2 ba | 1,394 | — | Sign in to view | — | 40d | |
| Colonial | 4 bd / 2 ba | 1,779 | — | Sign in to view | — | 12d | |
| Ranch | 3 bd / 1 ba | 1,245 | — | Sign in to view | — | 11d |
Source: OneKey MLS — Lloyd Harbor closed sales, last 180 days. Verify all figures independently before making decisions.
Get Your Home’s Value →Lloyd Harbor Real Estate FAQ
Expert answers to the most common questions about buying and selling in Lloyd Harbor.
How much does it cost to buy a home in Lloyd Harbor?
Is Lloyd Harbor a good place to buy a home, and who is it right for?
What are property taxes like in Lloyd Harbor, and can they be lowered?
What is the LIRR commute from Lloyd Harbor to Manhattan?
What is the median home price in Lloyd Harbor, and is it a buyer's or seller's market right now?
How are the schools in Lloyd Harbor?
Why work with Joseph DeVito to buy or sell in Lloyd Harbor?
Is Lloyd Harbor a buyer's or seller's market?
Are sellers cutting prices in Lloyd Harbor?
What counts as a price reduction on this page?
Joseph DeVito is a New York Licensed Associate Real Estate Broker and a New York attorney. He does not act as both broker and attorney on the same transaction: here he acts as a real estate broker only, and he is not your attorney. Real estate services provided through Keller Williams Realty Greater Nassau are not legal representation. Everything on this site is general information for educational purposes only. It is not legal advice, it creates no attorney-client relationship, and it should not be relied on as legal advice — for advice about your own situation, consult your own attorney.
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How Lloyd Harbor Fits Into the Suffolk County Market
Lloyd Harbor’s median sale price of about $999K sits about 45% above the Suffolk County median of about $689K. These are whole-county figures over a settled trailing 12 months — the same data behind our full Suffolk County reports.
County medians describe the wider market, not any specific property, and are not a valuation of a home in Lloyd Harbor.
Markets Near Lloyd Harbor
The closest Suffolk communities we track, with their current median sale price, median days on market, and market condition — useful for widening or narrowing a search.
Live OneKey MLS medians from recent closed sales, refreshed daily. Market condition reflects months of supply. Figures describe each market, not any specific home.
Didn't find what you're looking for?
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Buy or Sell in Lloyd Harbor, NY With an Associate Broker Who Knows Which Questions to Ask
Joseph DeVito has been part of more than 5,000 closed transactions across Nassau County, Suffolk County, Queens, and Brooklyn. As an Associate Broker who is also an attorney, he reads a deal differently than most agents — and when the facts of your Lloyd Harbor deal are in front of him, he knows the contract and title questions worth asking.
Also explore: Buyer Resources · Selling Your Home · All Suffolk Communities · Suffolk County Housing Market Outlook · Suffolk County Days on Market Report · Suffolk County School & Tax Breakdown