96 Stephen Dr, Wading River, NY 11792 Property Records

Suffolk County and Riverhead Town property record for 96 Stephen Dr, Wading River, NY 11792

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,908 sqft · built 1973
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Mar 2022)
Tax Bill	$14,075 (2024)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Oct 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`473000 95.-2-23`

Property Details

APN / Parcel Number

Primary APN	`473000 95.-2-23`
Alternative APNs	`0600-095.00-02.00-023.000` `300009500000020230000000` `47300010124` `13`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,908 sqft Living Area
Gross Area	2,368 sqft
1st Floor Area	1,133 sqft
2nd Floor Area	775 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	21,344 sqft (0.49 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	13
Street Address	96 STEPHEN DR
City	WADING RIVER
State	NY
Zip	11792-2126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02
Legal Description	*4892 LOT 21 GREEN SLOPES SEC 1
Legal Subdivision	MAP GREEN SLOPES SECTION 1
Legal Block	2
Legal Lot Number	23
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, as of August 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	96 STEPHEN DR, WADING RIVER, NY 11792-2126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed, Transfer · Stand-Alone First Mortgage CALIBER HOME LOANS INC
Oct 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Sep 21, 2020	Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI FREEDOM MTG
Sep 11, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2022 · Amount on Record
Deed Sale	Mar 10, 2022 · Amount on Record
Prior Sale	Sep 11, 2019 · Amount on Record
Deed Book / Page	13146 / 752
Record Updated	Sep 20, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Mar 10, 2022
Property Address	96 STEPHEN DR, WADING RIVER, NY 11792-2126
Document Number	0131460752
Book / Page	13146 / 752
Instrument Date	Jan 24, 2022
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Relationship	Tenants in Common
Address	92 BRIARCLIFF RD, SHOREHAM, NY 11786-1022

Mortgage

Document Number	0023391143
Date	Mar 10, 2022
Instrument	23391/143

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	96 STEPHEN DR, WADING RIVER, NY 11792-2126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0231840187
Date	Oct 15, 2020
Book Page	23184/187
Instrument	DL030647

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2020: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SUFFOLK NY
Property Address	96 STEPHEN DR, WADING RIVER, NY 11792-2126
Document Number	0232050625
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 7, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 STEPHEN DR WADING RIVER NY 117922126, WADING RIVER, NY 11792-2126

Mortgage

Document Number	0232050625
Date	Dec 9, 2020
Book Page	023205/000625

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Sep 11, 2019
Property Address	96 STEPHEN DR, WADING RIVER, NY 11792-2126
Document Number	0130280121
Book / Page	13028 / 121
Instrument Date	Jul 17, 2019
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount Recorded
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

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	Shoreham-Wading River Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$55,930 (-) Land $10,600 Building $45,330	$685,417 (+13.85%) Land $129,902 Building $555,515
2024	$14,075.00
2023		$55,930 Land $10,600 Building $45,330	$602,045 Land $114,101 Building $487,944

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

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	2 in force
Nearby Flood Claims	4 (1979–1982)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Feb 1982 · tidal / storm surge

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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 205 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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