Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$734,841$422 / 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 95How 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 $275,000 on Sep 8, 2017

54 STEPHEN DR

WADING RIVER, NY 11792
4
Beds
2
Baths
1,740 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.
0.51 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
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

$735K
$700K low$770K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$275,000 · Sep 8, 2017
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.$238,375
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$190,700
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.73%
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.$396,466
CALIBER HM LOANS · 2.75% 2 · recorded Nov 14, 2020
2nd 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
TEACHERS FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,312 (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.$52,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$41,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$637,255

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.9 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
Lot (acres)The size of the land the home sits on, from county records.0.51
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Central
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 588 ft²

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 · 1.8 mi
M
Albert G. Prodell Middle SchoolB
Middle · Grades 6–8 · 3.1 mi
E
Miller Avenue School
Elementary · Grades KG–2 · 3.2 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

54 Stephen 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.

  • Costs more per square foot than 66% of homes in Wading River 11792
  • Smaller than 65% of homes in Wading River 11792
  • Has a bigger lot than 77% of homes in Suffolk County

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
$403K$1.8M

This home is worth more than 39% 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$734,841
CheaperTypical $801,365Pricier

Pricier than 39% of homes nearby

Price per ft²$422
CheaperTypical $393Pricier

Pricier than 66% of homes nearby

Living area1,740 ft²
SmallerTypical 2,076 ft²Bigger

Bigger than 35% of homes nearby

Lot size0.51 ac
SmallerTypical 0.6 acBigger

Bigger than 41% of homes nearby

Year built1977
OlderTypical 1978Newer

Newer than 50% of homes nearby

How 54 Stephen Dr ranks against every home in each area.
MeasureThis homeWading River 11792Suffolk County
Estimated valuepricier than$734,84139% of homes57% of homes
Price per ft²pricier than$42266% of homes53% of homes
Living areabigger than1,740 ft²35% of homes54% of homes
Lot sizebigger than0.51 ac41% of homes77% of homes
Year builtnewer than197750% of homes64% of homes

About 54 Stephen Dr

How much is 54 Stephen Dr, Wading River, NY worth?

The TopHap Estimate for 54 Stephen Dr, Wading River, NY is $734,841 as of Jul 14, 2026. The likely range is $699,553 to $770,129. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 54 Stephen Dr, Wading River, NY last sell?

54 Stephen Dr, Wading River, NY last sold on Sep 8, 2017 for $275,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 54 Stephen Dr, Wading River, NY?

54 Stephen Dr, Wading River, NY has 4 bedrooms, 2 bathrooms, 1,740 square feet of living space and a 0.51-acre lot.

When was 54 Stephen Dr, Wading River, NY built?

54 Stephen Dr, Wading River, NY was built in 1977, making it 49 years old. It is a cape cod home. The building has 1 story.

What schools serve 54 Stephen Dr, Wading River, NY?

54 Stephen 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 54 Stephen 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 39% of them ($734,841 against a typical $801,365), its price per square foot is higher than 66% of them ($422 against a typical $393), it is bigger than 35% of them (1,740 ft² against a typical 2,076 ft²), its lot is bigger than 41% of them (0.51 ac against a typical 0.6 ac) and it is newer than 50% of them (1977 against a typical 1978). Measured against all of Suffolk County, it is worth more than 57% 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 54 Stephen Dr, Wading River, NY?

The 2024 property tax bill for 54 Stephen Dr, Wading River, NY was $10,312. The county assessed it at $52,000.

Closest homes

More homes in Wading River 11792

Assigned schools

Explore the area

See this home in context

Open 54 Stephen Dr 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