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247 Main St, Center Moriches, NY, 11934

6beds
5baths
5,000sqft
$1,199,000
$240price/sqft
$8,964/moest. monthly cost
$358,560/yrincome needed

About This Home

This unique mixed use Business/Residential property in Center Moriches the Gateway to the Hamptons, originally built in 1870 on 1.30 acres and tastefully renovated over the years, is waiting to become your dream space! Business/Professional: Currently used as a Chiropractic office, this Business-zoned section of the first floor features an office with reception, walk-in file room, a half-bath, and 4 comfortable and professional exam/treatment rooms. Outdoor entrance separate from residence, as well as interior entrance from living room in Residence. Residence: This three-floor Victorian residence is updated with functionality while preserving the original architecture. It has been in the same family since the 1960s. First floor features a living room with wood stove and built-in cabinetry, powder/laundry Room, a dining room with wood stove, and a gorgeous professionally-outfitted kitchen with high ceilings ready for entertaining. The second level features 4 bedrooms, and 2 full baths plus 2 storage attics. One of the spacious bedrooms on this floor features a kitchenette area with sink, as well as private access to a full bath. The 3rd level of this home features 2 rooms and a full bath. Beyond the main building, the property includes two sheds and multiple accessory dwellings. A standalone cottage offers living room, one bedroom, a full bath, and a kitchenette. A second cottage is attached to a detached garage and includes a studio room, a full bath, and a kitchenette—ideal for guests, rental income, or staff housing. The Main Building has 4 zone natural gas heat. The commercial office has CAC. While the residence has Wall AC units. Each cottage has their own oil heat and oil tank, plus AC wall units.

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

4/10
4/10
9/10

Construction

Condition

  • Year built: 1870

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2

Cooling

  • Cooling features: Central Air

Features

  • Fireplace: Yes

Interior Area

  • Total structure area: 5,000
  • Total interior livable area: 5,000 sqft

Property

Details

  • Parcel number: 0200858000200017000

Features

  • Stories: 3

Lot

  • Lot size: 1.30 Acres

Parking

  • Parking features: GarageDetached
  • Has garage: 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
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal 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 $6,062$72,744
Home Insurance *$458$5,496
Property Taxes $1,618$19,416
Electricity $826$9,915
Total$8,964$107,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$307,337/yr
40% on housing$268,920/yr
45% on housing$239,040/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

$240This listing

vs Other Active Listings

Avg $/sqft

ZIP 11934$482
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11934$335
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
2026-03-18Price change$1,299,000
2026-01-25Listed for sale$1,400,000

For Sale by Agent

AgentCosmo Ficara - Associate Real Estate Broker
BrokerageColdwell Banker Reliable Real Estate

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