40 Cove St, Riverhead, NY 11901 Property Records

Suffolk County and Riverhead Town property record for 40 Cove St, Riverhead, NY 11901

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 906 sqft · built 1972
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (May 2025)
Tax Bill	$7,302 (2024)
Deeds & Mortgages	May 2025 Sale & Refinance Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`473000 85.-2-61`

Property Details

APN / Parcel Number

Primary APN	`473000 85.-2-61`
Alternative APNs	`0600-085.00-02.00-061.000` `300008500000020610000000` `4730008894` `78`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	906 sqft Living Area
1st Floor Area	906 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	14,375 sqft (0.33 acres)
View / Lot	Canal
Porch	Open Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Account Number	78
Street Address	40 COVE ST
City	RIVERHEAD
State	NY
Zip	11901-5057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03
Legal Description	N X GIRAUD E X WHITNEY S X COVE ST N X BROAD AVE
Legal Block	2
Legal Lot Number	61
Jurisdiction	SUFFOLK NY
Township / Civil Division	RIVERHEAD
Census Block Group	2
Census Block	2018
Census Tract	169906

Owner

Source: Suffolk County and Riverhead 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	149 MALLOY DR, EAST QUOGUE, NY 11942-3838
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 22, 2025	Deed, Transfer · Stand-Alone Refinance NEW JERSEY LENDERS CORP
Apr 11, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 4, 2019	Quit Claim Deed, Transfer Quitclaim
Dec 7, 2018	Warranty Deed, Transfer
Dec 13, 2017	Trustee's Deed, Foreclosure OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2025 · Amount on Record
Deed Sale	May 22, 2025 · Amount on Record
Prior Sale	Dec 7, 2018 · Amount on Record
Deed Book / Page	13295 / 629
Prior Transfer Date	Sep 15, 1999
Record Updated	Sep 20, 2026

May 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	May 22, 2025
Property Address	40 COVE ST, RIVERHEAD, NY 11901-5057
Document Number	0132950629
Book / Page	13295 / 629
Instrument Date	Apr 1, 2025
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	149 MALLOY DR, EAST QUOGUE, NY 11942-3838

Mortgage

Document Number	0236600884
Date	May 22, 2025
Book Page	23660/884

Lender

Name	NEW JERSEY LENDERS CORP
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	40 COVE ST, RIVERHEAD, NY 11901-5057
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234030397
Date	Apr 11, 2022
Book Page	23403/397
Instrument	DN001976

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUFFOLK NY
Recording Date	Feb 4, 2019
Property Address	40 COVE ST, RIVERHEAD, NY 11901-5057
Document Number	0129990450
Book / Page	12999 / 450
Instrument Date	Dec 20, 2018
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUFFOLK NY
Recording Date	Dec 7, 2018
Property Address	40 COVE ST, RIVERHEAD, NY 11901-5057
Document Number	0129910480
Book / Page	12991 / 480
Instrument Date	May 31, 2018
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 THE PRESERVE, CALVERTON, NY 11933-2300

December 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SUFFOLK NY
Recording Date	Dec 13, 2017
Property Address	40 COVE ST, RIVERHEAD, NY 11901-5057
Document Number	0129420139
Book / Page	012942 / 000139
Instrument Date	Sep 27, 2017
Transaction Type	Foreclosure
Record Updated	Jan 10, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$2.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	1661 WORTHINGTON RD WEST PALM BEACH FL 334096488, WEST PALM BEACH, FL 33409-6488
Investor	Possibly a Property Investor

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	Riverhead Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$34,300 (-) Land $8,900 Building $25,400	$420,343 (+13.85%) Land $109,069 Building $311,275
2024	$7,302.00
2023		$34,300 Land $8,900 Building $25,400	$369,214 Land $95,802 Building $273,412

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

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	8 in force

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 97% of the US · lower than 96% 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	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 130 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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