54 Stephen Dr, Wading River, NY 11792 Property Records

Suffolk County and Riverhead Town property record for 54 Stephen Dr, Wading River, NY 11792 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,740 sqft · built 1977
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Sep 2017)
Tax Bill	$10,312 (2024)
Deeds & Mortgages	Sep 2023 Refinance Jan 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`473000 114.-1-28`

Property Details

APN / Parcel Number

Primary APN	`473000 114.-1-28`
Alternative APNs	`0600-114.00-01.00-028.000` `300011400000010280000000` `47300012269` `13`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,740 sqft Living Area
Gross Area	2,136 sqft
1st Floor Area	1,166 sqft
2nd Floor Area	574 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	22,216 sqft (0.51 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	588 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	13
Street Address	54 STEPHEN DR
City	WADING RIVER
State	NY
Zip	11792-2126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	*5084 LOT 39 GREEN SLOPES SEC 2
Legal Subdivision	GREEN SLOPES
Legal Block	1
Legal Lot Number	28
Jurisdiction	SUFFOLK NY
Township / Civil Division	RIVERHEAD
Census Block Group	4
Census Block	4015
Census Tract	169701

Owner

Source: Suffolk County and Riverhead Town records · APN 473000 114.-1-28

Assessment roll updated August 11, 2026 · Last verified August 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 File
Mailing Address	54 STEPHEN DR, WADING RIVER, NY 11792-2126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance TEACHERS FCU
Jan 29, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Aug 26, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Aug 26, 2020	Loan Modification, Consolidation and Extension, Mortgage · VA Mortgage CALIBER HM LOANS
Jul 05, 2018	Quit Claim Deed, Transfer Quitclaim
Sep 08, 2017	Warranty Deed, Construction Loan · Construction Mortgage SILVAN FNDG LLC SERIES 1731S

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 08, 2017 · Amount on Record
Deed Sale	Sep 08, 2017 · Amount on Record
Prior Sale	Dec 15, 2016 · Amount on Record
Deed Book / Page	D00012928 / 732
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	54 STEPHEN DR, WADING RIVER, NY 11792-2126
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0235360328
Date	Sep 19, 2023
Book Page	23536/328

Lender

Name	TEACHERS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Oct 01, 2037

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	54 STEPHEN DR, WADING RIVER, NY 11792-2126
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0231010194
Date	Jan 29, 2020
Book Page	23101/194
Instrument	DK038418

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 01, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	54 STEPHEN DR, WADING RIVER, NY 11792-2126
Document Number	0231950420
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 STEPHEN DR WADING RIVER NY 117922126, WADING RIVER, NY 11792-2126

Mortgage

Document Number	0231950420
Date	Nov 14, 2020
Book Page	023195/000420

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2050

August 2020: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	54 STEPHEN DR, WADING RIVER, NY 11792-2126
Document Number	0231950421
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	May 17, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 STEPHEN DR WADING RIVER NY 117922126, WADING RIVER, NY 11792-2126

Mortgage

Document Number	0231950421
Date	Nov 14, 2020
Book Page	023195/000421

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jul 05, 2018
Property Address	54 STEPHEN DR, WADING RIVER, NY 11792-2126
Document Number	0129680156
Book / Page	12968 / 156
Instrument Date	Jun 14, 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

September 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SUFFOLK NY
Recording Date	Sep 08, 2017
Property Address	54 STEPHEN DR, WADING RIVER, NY 11792-2126
Document Number	0129280732
Book / Page	012928 / 000732
Instrument Date	Jul 13, 2017
Transaction Type	Construction Loan
Record Updated	Oct 26, 2017
Title Company	CROWN TITLE CORPORATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	61 MARC DR RIDGE NY 119612152, RIDGE, NY 11961-2152

Mortgage

Document Number	228530181
Date	Sep 08, 2017
Book Page	022853/000181

Lender

Name	SILVAN FNDG LLC SERIES 1731S
Address	825 3RD AVE # 31, NEW YORK, NY 10022-9506

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 07, 2018

Tax Assessment & Valuation

Source: Suffolk County and Riverhead Town records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Riverhead Town
Unified School District	Shoreham-Wading River Central School District (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$52,000 (-) Land $10,900 Building $41,100	$637,255 (+13.85%) Land $133,578 Building $503,676
2024	$10,312.00
2023		$52,000 Land $10,900 Building $41,100	$559,741 Land $117,330 Building $442,411

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Suffolk County (36103C), updated September 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361031697014, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1979–1982)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Feb 1982, tidal / storm surge

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 5,882 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 205 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Optimum Communications	Fiber	8,000 / 8,000
Optimum Communications	Cable	940 / 35

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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