Suffolk County and Southold Town property record for 455 Three Waters Ln, Orient, NY 11957
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $543,000 (Sep 2013) |
| Tax Bill | $6,489 (2024) |
| Deeds & Mortgages | Mar 2022 Refinance Mar 2022 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 473889 15.-7-11 |
| Primary APN | 473889 15.-7-11 |
|---|---|
| Alternative APNs |
|
| Lot Area | 12,197 sqft (0.28 acres) |
|---|
| Account Number | 01 |
|---|---|
| Street Address | 455 THREE WATERS LN |
| City | ORIENT |
| State | NY |
| Zip | 11957-1541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-40 |
| Legal Description | BOOK 12295 PAGE 378 BILL 002194 |
| Legal Block | 7 |
| Legal Lot Number | 11 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SOUTHOLD |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 170206 |
455 Three Waters Ln is owned by two individuals who bought it in September 2013.
Source: Suffolk County and Southold Town records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 17 E 97TH ST, 5C, NEW YORK, NY 10029-6969 |
| 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.
| Date | Document |
|---|---|
| Mar 31, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK |
| Mar 31, 2022 | Deed of Trust, Mortgage · Loan Modification FIRST NATIONAL BANK |
| Aug 23, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Aug 31, 2018 | Grant Deed, Transfer · Conventional Mortgage INTERSTATE HM LN CTR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2013 · Amount on File |
| Deed Sale | Sep 26, 2013 · Amount on File |
| Prior Sale | Jan 14, 2004 · Amount on File |
| Deed Book / Page | 12746 / 113 |
| Prior Transfer Date | Dec 19, 1996 |
| Prior Transfer Doc | 1180000081 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 455 THREE WATERS LN, ORIENT, NY 11957-1541 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0233990179 |
|---|---|
| Date | Mar 31, 2022 |
| Book Page | 23399/179 |
| Instrument | DM074821 |
| Name | FIRST NATIONAL BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 455 THREE WATERS LN, ORIENT, NY 11957-1541 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0233990180 |
|---|---|
| Date | Mar 31, 2022 |
| Book Page | 23399/180 |
| Instrument | DM074822 |
| Name | FIRST NATIONAL BANK |
|---|
| Type | Loan Modification |
|---|---|
| Amount | Amount on Record |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 455 THREE WATERS LN, ORIENT, NY 11957-1541 |
| Document Number | 0230750727 |
| Instrument Date | Aug 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12 E 97TH ST #5C NEW YORK NY 100296918, 5C, NEW YORK, NY 10029-6918 |
| Document Number | 0230750727 |
|---|---|
| Date | Oct 31, 2019 |
| Book Page | 023075/000727 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55467-8000 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 30, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Aug 31, 2018 |
| Property Address | 455 THREE WATERS LN, ORIENT, NY 11957-1541 |
| Document Number | 0129760427 |
| Book / Page | 012976 / 000427 |
| Instrument Date | Jul 6, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,446.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 17 E 97TH ST #5C NEW YORK NY 100296969, 5C, NEW YORK, NY 10029-6969 |
| Document Number | 229550687 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 022955/000687 |
| Name | INTERSTATE HM LN CTR |
|---|---|
| Type | Funding / Finance Company |
| Address | 40 MARCUS DR # 100, MELVILLE, NY 11747-4200 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 30, 2048 |
Source: Suffolk County and Southold Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Southold Town |
| Unified School District | Oysterponds Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,400 Land $800 Building $6,600 | $1,345,455 Land $145,455 Building $1,200,000 | |
| 2024 | $6,489.00 | ||
| 2023 | $7,400 Land $800 Building $6,600 | $12,983 Land $1,404 Building $11,579 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 455 Three Waters Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2012.
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 |
| Flood Insurance Cost | Premium on File median of 131 policies |
| Nearby Flood Policies | 131 in force |
| Nearby Flood Claims | 4 (2012–2021) |
| Most Recent Claim | Oct 2021 · other causes |
| Claims by Event |
|
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 risk around 455 Three Waters Ln 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 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.
Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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