176 Overlook Dr, Wading River, NY 11792 Property Records

Suffolk County and Riverhead Town property record for 176 Overlook Dr, Wading River, NY 11792

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,608 sqft · built 1959
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Dec 2018)
Tax Bill	$12,924 (2024)
Deeds & Mortgages	Aug 2019 Loan Modification Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473000 55.-1-14`

Property Details

APN / Parcel Number

Primary APN	`473000 55.-1-14`
Alternative APNs	`0600-055.00-01.00-014.000` `300005500000010140000000` `4730004851` `39`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,608 sqft Living Area
1st Floor Area	1,608 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	23,522 sqft (0.54 acres)
Lot Dimensions	132 ft deep x 178 ft wide
View / Lot	Canal
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	39
Street Address	176 OVERLOOK DR
City	WADING RIVER
State	NY
Zip	11792-1735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02
Legal Description	*2476 SEC 2 LOT 88 WOODLAND ACRES
Legal Block	1
Legal Lot Number	14
Jurisdiction	SUFFOLK NY
Township / Civil Division	RIVERHEAD
Census Block Group	1
Census Block	1013
Census Tract	169701

Owner

176 Overlook Dr is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	176 OVERLOOK DR, WADING RIVER, NY 11792-1735
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2019	Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI FREEDOM MTG
Aug 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG
Dec 12, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2018 · Amount on File
Deed Sale	Dec 12, 2018 · Amount on File
Prior Sale	Aug 1, 2005 · Amount on File
Deed Book / Page	12992 / 444
Record Updated	Sep 20, 2026

August 2019: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	176 OVERLOOK DR, WADING RIVER, NY 11792-1735
Document Number	0230610031
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 OVERLOOK DR WADING RIVER NY 117921735, WADING RIVER, NY 11792-1735

Mortgage

Document Number	0230610031
Date	Sep 16, 2019
Book Page	023061/000031

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Sep 15, 2034

Interest

Rate Type	Fixed Rate
Rate	3.25%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	176 OVERLOOK DR, WADING RIVER, NY 11792-1735
Document Number	0230610030
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 OVERLOOK DR WADING RIVER NY 117921735, WADING RIVER, NY 11792-1735

Mortgage

Document Number	0230610030
Date	Sep 16, 2019
Book Page	023061/000030

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 15, 2034

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Dec 12, 2018
Property Address	176 OVERLOOK DR, WADING RIVER, NY 11792-1735
Document Number	0129920444
Book / Page	12992 / 444
Instrument Date	Nov 26, 2018
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Riverhead Town
Unified School District	Shoreham-Wading River Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$51,600 Land $11,800 Building $39,800	$632,353 Land $144,608 Building $487,745
2024	$12,924.00
2023		$51,600 Land $11,800 Building $39,800	$555,436 Land $127,018 Building $428,418

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 176 Overlook Dr in Zone X, an area of minimal flood risk, though there have been 55 flood claims nearby since 1981.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	55 (1981–2025)
Claims Outside the SFHA	16 of 55
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 19 claims Hurricane Irene, Aug 2011 · 2 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 12 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

Wildfire risk around 176 Overlook Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	RIVERHEAD WATER DISTRICT serves 35,000 people · EPA ID NY5103705
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrite resolved · Jul 2023
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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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