523 Ostrander Ave, Riverhead, NY 11901 Property Records

Suffolk County and Riverhead Town property record for 523 Ostrander Ave, Riverhead, NY 11901

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,701 sqft · built 1925
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$540,000 (Dec 2023)
Tax Bill	$8,415 (2024)
Deeds & Mortgages	Dec 2022 Refinance Dec 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`473000 127.-1-6`

Property Details

APN / Parcel Number

Primary APN	`473000 127.-1-6`
Alternative APNs	`0600-127.00-01.00-006.000` `300012700000010060000000` `47300013836` `04`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,701 sqft Living Area
1st Floor Area	1,080 sqft
2nd Floor Area	621 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1986
Architectural Style	Old Style
Exterior Material	Composition/Composite
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	223 ft deep x 50 ft wide
View / Lot	Canal
Garage Type	Detached
Garage Area	360 sqft
Porch	Open Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Water Source	Commercial

Location & Zoning

Account Number	04
Street Address	523 OSTRANDER AVE
City	RIVERHEAD
State	NY
Zip	11901-4679
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03
Legal Description	*391 OSTRANDER ESTS LOT 10 BLK C 663 0000 3
Legal Block	1
Legal Lot Number	6
Jurisdiction	SUFFOLK NY
Township / Civil Division	RIVERHEAD
Census Block Group	4
Census Block	4001
Census Tract	169800

Owner

523 Ostrander Ave is owned by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	410 OSTRANDER AVE, RIVERHEAD, NY 11901-4614
Owner Type	Individual
Vesting	Individual(s)

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 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
Dec 28, 2023	Deed, Transfer MISC COMPANY
Aug 19, 2021	Deed, Transfer
May 16, 2017	Deed of Trust, Mortgage · Line of Credit TD BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2023 · Amount on File
Deed Sale	Dec 28, 2023 · Amount on File
Prior Sale	Aug 19, 2021 · Amount on File
Deed Book / Page	13230 / 841
Prior Transfer Date	Aug 14, 2007
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	523 OSTRANDER AVE, RIVERHEAD, NY 11901-4679
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0234670597
Date	Dec 13, 2022
Book Page	23467/597

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Jan 1, 2050

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Dec 28, 2023
Property Address	523 OSTRANDER AVE, RIVERHEAD, NY 11901-4679
Document Number	0132300841
Book / Page	13230 / 841
Instrument Date	Oct 25, 2023
Transaction Type	Transfer
Record Updated	Mar 26, 2024
Title Company	MISC COMPANY

Transaction

Amount	Amount 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
Address	410 OSTRANDER AVE, RIVERHEAD, NY 11901-4614

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Aug 19, 2021
Property Address	523 OSTRANDER AVE, RIVERHEAD, NY 11901-4679
Document Number	0131160655
Book / Page	13116 / 655
Instrument Date	Jun 14, 2021
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount 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
Address	1795 OSBORN AVE, RIVERHEAD, NY 11901-5219

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	523 OSTRANDER AVE, RIVERHEAD, NY 11901-4679
Document Number	0228220555
Book / Page	022822 / 000555
Instrument Date	May 16, 2017
Transaction Type	Mortgage
Record Updated	Jul 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 OSTRANDER AVE RIVERHEAD NY 119014679, RIVERHEAD, NY 11901-4679

Mortgage

Document Number	0228220555
Date	Jun 2, 2017
Book Page	022822/000555

Lender

Name	TD BK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate

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		$36,190 Land $6,000 Building $30,190	$443,505 Land $73,529 Building $369,975
2024	$8,415.00
2023		$36,190 Land $6,000 Building $30,190	$389,559 Land $64,586 Building $324,973

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 523 Ostrander Ave in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1978.

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 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	46 (1978–2020)
Claims Outside the SFHA	21 of 46
Most Recent Claim	Apr 2020 · other causes
Claims by Event	Hurricane Sandy, Oct 2012 · 15 claims Coastal Storm, High Tides, Heavy Rain, & Flooding, Dec 1992 · 8 claims Coastal Storms & Flooding, Mar 1984 · 7 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 523 Ostrander Ave 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	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 317 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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