45 Atwater St, Riverhead, NY 11901 Property Records

Suffolk County and Riverhead Town property record for 45 Atwater St, Riverhead, NY 11901

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1 ba · 696 sqft · built 1920
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$622,500 (Oct 2019)
Tax Bill	$2,809 (2024)
Deeds & Mortgages	Jul 2021 Refinance Oct 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`473000 13.-3-7`

Property Details

APN / Parcel Number

Primary APN	`473000 13.-3-7`
Alternative APNs	`0600-013.00-03.00-007.000` `300001300000030070000000` `473000798` `21`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	696 sqft Living Area
Gross Area	848 sqft
1st Floor Area	392 sqft
Upper Floors Area	304 sqft
Attic	Attic
Attic Area	304 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cottage
Exterior Material	Wood
Lot Area	8,276 sqft (0.19 acres)
View / Lot	Canal
Porch	Screened Porch
Porch Area	152 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Water Source	Commercial

Location & Zoning

Account Number	21
Street Address	45 ATWATER ST
City	RIVERHEAD
State	NY
Zip	11901-1032
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	03
Legal Description	*1329 SYS KREI BLK 4 FR 25 R EXCEPT WTR SPLY
Legal Block	3
Legal Lot Number	7
Jurisdiction	SUFFOLK NY
Township / Civil Division	RIVERHEAD
Census Block Group	1
Census Block	1008
Census Tract	169703

Owner

45 Atwater St, a residential property, is owned and occupied by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	45 ATWATER ST, RIVERHEAD, NY 11901-1032
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Jul 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Oct 29, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2019 · Amount on File
Deed Sale	Oct 29, 2019 · Amount on File
Prior Sale	Jan 4, 2011
Deed Book / Page	13034 / 383
Prior Transfer Date	Aug 2, 2019
Prior Transfer Doc	0130340383
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	45 ATWATER ST, RIVERHEAD, NY 11901-1032
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0233060563
Date	Jul 28, 2021
Book Page	23306/563
Instrument	DM026247

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUFFOLK NY
Recording Date	Oct 29, 2019
Property Address	45 ATWATER ST, RIVERHEAD, NY 11901-1032
Document Number	0130340383
Book / Page	013034 / 000383
Instrument Date	Aug 2, 2019
Transaction Type	Transfer
Record Updated	Dec 2, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ATWATER ST RIVERHEAD NY 119011032, RIVERHEAD, NY 11901-1032

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		$20,400 Land $7,100 Building $13,300	$250,000 Land $87,010 Building $162,990
2024	$2,809.00
2023		$20,400 Land $7,100 Building $13,300	$219,591 Land $76,426 Building $143,165

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 45 Atwater St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1991.

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	3 in force
Nearby Flood Claims	11 (1991–2018)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Nov 2018 · other causes
Claims by Event	Hurricane Sandy, Oct 2012 · 5 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 45 Atwater St 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

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

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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