45 Charles St, Riverhead, NY 11901 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 800 sqft · built 1965
Lot Size	0.37 acres (16,117 sqft)
Owner	Company Name on File
Last Sale	$150,000 (Jun 2017)
Tax Bill	$4,575 (2024)
Deeds & Mortgages	Dec 2022 Refinance Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`473000 105.-1-21`

Property Details

APN / Parcel Number

Primary APN	`473000 105.-1-21`
Alternative APNs	`0600-105.00-01.00-021.000` `300010500000010210000000` `47300011180` `17`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	100 ft deep x 111 ft wide
View / Lot	Canal

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	17
Street Address	45 CHARLES ST
City	RIVERHEAD
State	NY
Zip	11901-2513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03
Legal Description	*1544 LOT 13 MILL BROOK GABLES
Legal Block	1
Legal Lot Number	21
Jurisdiction	SUFFOLK NY
Township / Civil Division	RIVERHEAD
Census Block Group	3
Census Block	3000
Census Tract	169800

Owner

45 Charles St is owned by a company that bought it in June 2017.

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

Owner of Record	Company Name on File
Mailing Address	865 OLD COUNTRY RD, 118, RIVERHEAD, NY 11901-2106
Owner Type	Company
Vesting	Company

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
Dec 21, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DIME COMMUNITY BANK
Jul 17, 2017	Grant Deed, Mortgage BRIDGEHAMPTON NAT'L BK
Jun 1, 2017	Grant Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2017 · Amount on File
Deed Sale	Jun 1, 2017 · Amount on File
Prior Sale	Aug 28, 1996 · Amount on File
Deed Book / Page	12914 / 809
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	45 CHARLES ST, RIVERHEAD, NY 11901-2513
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234690182
Date	Dec 21, 2022
Book Page	23469/182

Lender

Name	DIME COMMUNITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jul 17, 2017
Property Address	45 CHARLES ST, RIVERHEAD, NY 11901-2513
Document Number	0228340359
Book / Page	022834 / 000359
Instrument Date	Jun 28, 2017
Transaction Type	Mortgage
Record Updated	Sep 20, 2017
Title Company	BRIDGE ABSTRACT LLC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	160 KINGS DR RIVERHEAD NY 119016205, RIVERHEAD, NY 11901-6205

Mortgage

Document Number	228340359
Date	Jul 17, 2017
Book Page	022834/000359

Lender

Name	BRIDGEHAMPTON NAT'L BK
Type	Bank
Address	15 FROWEIN RD # A3, CENTER MORICHES, NY 11934-1607

Agreement

Amount	Amount on Record

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jun 1, 2017
Property Address	45 CHARLES ST, RIVERHEAD, NY 11901-2513
Document Number	0129140809
Book / Page	012914 / 000809
Instrument Date	May 31, 2017
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$600.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	865 OLD COUNTRY RD #118 RIVERHEAD NY 119012106, 118, RIVERHEAD, NY 11901-2106

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		$21,000 Land $5,500 Building $15,500	$257,353 Land $67,402 Building $189,951
2024	$4,575.00
2023		$21,000 Land $5,500 Building $15,500	$226,049 Land $59,203 Building $166,846

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 45 Charles St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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	5 (1979–2010)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 Charles St is low, with less than 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 98% of the US · lower than 97.9% 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 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
T-Mobile Fixed Wireless	100 / 20

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