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Single Family ResidenceResidential
$840,429$399 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $628,000 on Jan 3, 2023

109 JOSEPHINE DR

WADING RIVER, NY 11792
4
Beds
2
Baths
2,106 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.46 ac
Lot SizeThe size of the land the home sits on, from county records.
1968
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$840K
$813K low$868K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$628,000 · Jan 3, 2023
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$338,029
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$270,423
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.64%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$502,400
NATIONWIDE MORTGAGE BANKERS · P · recorded Jan 3, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,865 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$55,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$45,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$680,147

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.20 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountySUFFOLK
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2005
Lot (acres)The size of the land the home sits on, from county records.0.46
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
ViewThe type of view from the property, or another feature of the site that affects value.Canal

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Shoreham-Wading River High SchoolA+
High · Grades 9–12 · 1.6 mi
M
Albert G. Prodell Middle SchoolB
Middle · Grades 6–8 · 3.0 mi
E
Miller Avenue School
Elementary · Grades KG–2 · 3.0 mi

District: Shoreham-Wading River Central School District

Neighborhood · ZIP 11792These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.81
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.103
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.59

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.8,607
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.677 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$143,954
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$160,367
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Josephine Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 71% of homes in Suffolk County
  • Bigger than 72% of homes in Suffolk County
  • Has a bigger lot than 72% of homes in Suffolk County
  • Older than 66% of homes in Wading River 11792

What homes are worth in Wading River 11792

Each bar is how many homes fall in that price range. The marker is this home.

This home
$406K$1.7M

This home is worth more than 58% of homes in Wading River 11792.

How it measures up in Wading River 11792

The dot is this home. The mark in the middle is the typical home in Wading River 11792.

Estimated value$840,429
CheaperTypical $802,677Pricier

Pricier than 58% of homes nearby

Price per ft²$399
CheaperTypical $393Pricier

Pricier than 54% of homes nearby

Living area2,106 ft²
SmallerTypical 2,070 ft²Bigger

Bigger than 52% of homes nearby

Lot size0.46 ac
SmallerTypical 0.6 acBigger

Bigger than 34% of homes nearby

Year built1968
OlderTypical 1978Newer

Newer than 34% of homes nearby

How 109 Josephine Dr ranks against every home in each area.
MeasureThis homeWading River 11792Suffolk County
Estimated valuepricier than$840,42958% of homes71% of homes
Price per ft²pricier than$39954% of homes45% of homes
Living areabigger than2,106 ft²52% of homes72% of homes
Lot sizebigger than0.46 ac34% of homes72% of homes
Year builtnewer than196834% of homes47% of homes

About 109 Josephine Dr

How much is 109 Josephine Dr, Wading River, NY worth?

The TopHap Estimate for 109 Josephine Dr, Wading River, NY is $840,429 as of Jul 14, 2026. The likely range is $812,721 to $868,137. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Josephine Dr, Wading River, NY last sell?

109 Josephine Dr, Wading River, NY last sold on Jan 3, 2023 for $628,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 109 Josephine Dr, Wading River, NY?

109 Josephine Dr, Wading River, NY has 4 bedrooms, 2 bathrooms, 2,106 square feet of living space and a 0.46-acre lot.

When was 109 Josephine Dr, Wading River, NY built?

109 Josephine Dr, Wading River, NY was built in 1968, making it 58 years old. It is a cape cod home. The building has 1 story.

What schools serve 109 Josephine Dr, Wading River, NY?

109 Josephine Dr, Wading River, NY is assigned to Shoreham-Wading River High School (high), rated A+; Albert G. Prodell Middle School (middle), rated B; Miller Avenue School (elementary). All sit in Shoreham-Wading River Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Josephine Dr, Wading River, NY compare to other homes in Wading River 11792?

Among the 3,276 homes in Wading River 11792, it is worth more than 58% of them ($840,429 against a typical $802,677), its price per square foot is higher than 54% of them ($399 against a typical $393), it is bigger than 52% of them (2,106 ft² against a typical 2,070 ft²), its lot is bigger than 34% of them (0.46 ac against a typical 0.6 ac) and it is newer than 34% of them (1968 against a typical 1978). Measured against all of Suffolk County, it is worth more than 71% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Josephine Dr, Wading River, NY?

The 2024 property tax bill for 109 Josephine Dr, Wading River, NY was $13,865. The county assessed it at $55,500.

Closest homes

More homes in Wading River 11792

Assigned schools

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