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77 S Coleman Road, Centereach, NY, 11720

2beds
3baths
1,200sqft
$659,999
$550price/sqft
$4,720/moest. monthly cost
$188,800/yrincome needed

About This Home

Beautifully updated Ranch situated on a private 1-acre with LOW TAXES! This home features 2 bedrooms, 3 full bathrooms, and the potential to convert back to a 3-bedroom layout. Enjoy a spacious living room with a wood-burning fireplace, updated kitchen and baths, newer roof (6 years), 200-amp electric, and 4-zone oil hot water baseboard heating with backup wood burner. Additional highlights include garage access to the basement, walk-in first floor layout and a guest house located behind of the property, A perfect blend of privacy, comfort, and functionality!

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

7/10
Centereach High SchoolGrades 8-121.9 mi
3/10
North Coleman Road SchoolGrades PK-51.7 mi

Construction

Condition

  • Year built: 1950

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)

Basement

  • Has basement: Yes
  • Basement: Finished

Bedroom2

  • Level: First

Bedrooms & Bathrooms

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

Features

  • First Floor Bedroom,Natural Woodwork
  • Attic: None

Heating & Cooling

  • Heating features: Natural Gas,Oil
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,200
  • Total interior livable area: 1,200 sqft

Property

Details

  • Parcel number: 0200517000500018000
  • Special condition: None

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

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

How This Home’s Risks Compare

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 $3,337$40,044
Home Insurance *$247$2,964
Property Taxes $890$10,680
Electricity $246$2,954
Total$4,720$56,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,828/yr
40% on housing$141,600/yr
45% on housing$125,866/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

$550This listing

vs Other Active Listings

Avg $/sqft

ZIP 11720$351
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11720$374
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
2026-06-18Price change$659,999
2026-05-29Price change$670,000
2026-05-13Listed for sale$719,999
2025-05-22Sold$567,000
2025-01-28Pending sale$539,900
2025-01-02Listed for sale$539,900

For Sale by Agent

AgentXiao Zheng
BrokerageJamie Realty Group

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