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44600 County Road 48, Southold, NY, 11971

2beds
2baths
2,350sqft
$785,000
$334price/sqft
$5,832/moest. monthly cost
$233,280/yrincome needed

About This Home

A great business and/or investment opportunity awaits! Once a popular Southold holistic/chiropractic office with separate living quarters and then a childcare facility and apartment, this adaptable split-level property is awaiting its next creativite live-in business venture! Located on a beautiful .83 acre, this property fronts the high visibility County Road 48/North Road and backs up to scenic preserved farmland. The ground floor has a large waiting room, offices with sinks, and a half bath. The 2nd floor is a spacious 2-bedroom 1 bath rental apartment that could also be used as the business owner's home. Its Limited Business Zoning offers many opportunities including professional office, retail operation, custom workshop, garden shop/nursery, restaurant, dog and cat care facility, repair shop, etc.

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

6/10

Construction

Condition

  • Property condition: Actual
  • Year built: 1968

Materials

  • Construction materials: Brick,Cedar,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Gas Water Heater
  • Laundry features: Washer/Dryer Hookup

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Walk-In Closet(s)
  • Flooring: Hardwood,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes
  • Attic: Scuttle

Heating & Cooling

  • Heating features: Natural Gas,Hot Water
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,350
  • Total interior livable area: 2,350 sqft

Living Room

  • Level: Second

Office

  • Level: First

Property

Details

  • Parcel number: 1000063000100023000
  • Special condition: None

Features

  • Levels: Two,Multi/Split
  • Patio & porch: Deck
  • Fencing: Fenced

Lot

  • Lot size: 0.83 Acres
  • Features: Near Shops

Parking

  • Parking features: Parking Lot,Private

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 FloodingRelatively High
  • 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 $3,969$47,628
Home Insurance *$416$4,992
Property Taxes $1,059$12,708
Electricity $388$4,660
Total$5,832$69,984
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$199,954/yr
40% on housing$174,960/yr
45% on housing$155,520/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

$334This listing

vs Other Active Listings

Avg $/sqft

ZIP 11971$831
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11971$542
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)

No zestimate history available

Price History

DateEventPrice
2026-08-07Pending sale$785,000
2026-06-22Price change$785,000
2024-10-23Listed for sale$887,000
2011-04-22Sold$419,000
1995-01-10Sold$297,500

For Sale by Agent

AgentGayle Marriner Smith CBR
BrokerageDaniel Gale Sothebys Intl Rlty

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