Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$647,791
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 92How 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

14 RIVER ST

SAYVILLE, NY 11782
0
Baths
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$648K
$595K low$700K high
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.$547,791
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$438,233
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.16%
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.$100,000
BANK OF AMERICA · recorded Mar 28, 2017

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$37,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$24,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$521,127

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.87 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.78%
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.1 percent flood zone

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
CountySUFFOLK
Lot (acres)The size of the land the home sits on, from county records.0.21
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

H
Sayville High SchoolA
High · Grades 9–12 · 1.0 mi
E
Lincoln Avenue Elementary SchoolA-
Elementary · Grades PK–5 · 1.6 mi
M
Sayville Middle SchoolB
Middle · Grades 6–8 · 2.1 mi

District: Sayville Union Free School District

Neighborhood · ZIP 11782These 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.108
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.61

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.8%
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.16,111
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,152 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$137,080
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$164,768
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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

14 River St 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 less than 74% of homes in Sayville 11782
  • Has a smaller lot than 69% of homes in Suffolk County

What homes are worth in Sayville 11782

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

This home
$508K$1.6M

This home is worth more than 26% of homes in Sayville 11782.

How it measures up in Sayville 11782

The dot is this home. The mark in the middle is the typical home in Sayville 11782.

Estimated value$647,791
CheaperTypical $738,455Pricier

Pricier than 26% of homes nearby

Lot size0.21 ac
SmallerTypical 0.25 acBigger

Bigger than 36% of homes nearby

How 14 River St ranks against every home in each area.
MeasureThis homeSayville 11782Suffolk County
Estimated valuepricier than$647,79126% of homes40% of homes
Lot sizebigger than0.21 ac36% of homes31% of homes

About 14 River St

How much is 14 River St, Sayville, NY worth?

The TopHap Estimate for 14 River St, Sayville, NY is $647,791 as of Jul 14, 2026. The likely range is $595,466 to $700,116. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 14 River St, Sayville, NY last sell?

14 River St, Sayville, NY last sold on Jan 1, 1900, according to the county's recorded deed.

What schools serve 14 River St, Sayville, NY?

14 River St, Sayville, NY is assigned to Sayville High School (high), rated A; Lincoln Avenue Elementary School (elementary), rated A-; Sayville Middle School (middle), rated B. All sit in Sayville Union Free School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 14 River St, Sayville, NY compare to other homes in Sayville 11782?

Among the 5,681 homes in Sayville 11782, it is worth more than 26% of them ($647,791 against a typical $738,455) and its lot is bigger than 36% of them (0.21 ac against a typical 0.25 ac). Measured against all of Suffolk County, it is worth more than 40% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Sayville 11782

Assigned schools

Explore the area

See this home in context

Open 14 River St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map