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254 Overlook Drive, Riverhead, NY, 11901

3beds
3baths
2,256sqft
$1,795,000
$796price/sqft
$12,516/moest. monthly cost
$500,640/yrincome needed

About This Home

This newly constructed, post-modern waterfront home offers a unique blend of elegance and functionality. With three spacious bedrooms and three full bathrooms, it's designed to provide comfort and convenience in equal measure. The heart of this home is undoubtedly the kitchen, equipped with granite countertops, a stainless-steel package and Viking range. An island featuring a Black Walnut countertop not only adds a touch of sophistication but also provides additional workspace for culinary adventures. The home's heating system is powered by propane, ensuring a warm and cozy environment during the colder months. Outside, a 15x15 pressure-treated deck and 12x47 paver patio offers an ideal spot for outdoor dining or simply enjoying the breathtaking water views. The property also features a five-zone irrigation system, and an on-site home generator. The home's exterior is further enhanced by a front portico with a distinctive copper roof, adding a touch of elegance to the overall design. What sets this property apart is the 40' deep water dock. Whether you're a boating enthusiast or simply enjoy the serenity of waterfront living, this feature is sure to appeal. This home is part of a welcoming community where luxury meets comfort and where every detail has been thoughtfully considered.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

3/10
3/10
Riverhead Middle SchoolGrades 6-83.0 mi
3/10

Construction

Condition

  • Year built: 2024

Type & Style

  • Home type: SingleFamily
  • Architectural style: Post Modern
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Oven,Microwave,Oven,Washer
  • Laundry features: Laundry Room

Basement

  • Level: Lower

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • First Floor Bedroom,Open Floorplan,Open Kitchen,Primary Bathroom,Master Downstairs
  • Flooring: Hardwood
  • Attic: See Remarks

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,256
  • Total interior livable area: 2,256 sqft

Property

Details

  • Parcel number: 0600113000100011000
  • Special condition: None

Features

  • Patio & porch: Patio
  • Exterior features: Other
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Bayfront,Creek,River Access
  • Frontage length: 75'

Lot

  • Lot size: 9,583 sqft

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Inland Flooding
Winter Weather
Tsunami

FEMA Declared Disasters in Suffolk County and New York

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $9,076$108,912
Home Insurance *$645$7,740
Property Taxes $2,423$29,076
Electricity $372$4,473
Total$12,516$150,192
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$429,120/yr
40% on housing$375,480/yr
45% on housing$333,760/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 4.6%
4.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$796This listing

vs Other Active Listings

Avg $/sqft

ZIP 11901$379
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11901$459
Suffolk County$412

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-14Listed for sale$1,849,000
2025-11-08Listing removed$1,855,000
2025-10-02Listed for sale$1,855,000
2025-08-31Listing removed$1,849,000
2025-05-09Listed for sale$1,849,000
2025-03-31Listing removed$1,999,999
2025-01-09Listed for sale$1,999,999
2022-08-19Sold$400,000

For Sale by Agent

AgentKristy B. Naddell
BrokerageDouglas Elliman Real Estate

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