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281 Dune Rd, Westhampton Beach, NY, 11978

2beds
2baths
675sqft
$900,000
$1,333price/sqft
$6,302/moest. monthly cost
$252,080/yrincome needed

About This Home

Introducing 281 Dune Rd Unit #16B, a gem nestled in the heart of Westhampton Beach. This newly renovated 2-bedroom, 2-bathroom co-op is ready to welcome its next owner with open doors. Perched above the ocean and bay, this residence offers breathtaking views that will leave you in awe every morning. Imagine waking up to the gentle sound of waves lapping against the shore, and the sight of the sun rising over the calm waters. That's the kind of life this seasonal residence promises from April - October. But the allure of this property doesn't stop at its stunning views. This residence is conveniently located near the vibrant and popular Main Street of Westhampton Beach Village. This means you have easy access to a variety of shops, restaurants, theater, and entertainment options, ensuring you're never far from the action. For those days when you prefer to stay home, the property offers a heated pool. Whether you're in the mood for a refreshing swim or a relaxing soak, the pool is ready to cater to your needs. And when you're ready for a change of pace, the inviting ocean is just steps away from your door. This newly renovated co-op is a diamond in the rough, offering the perfect blend of comfort, convenience, and luxury. With its prime location, stunning views, and top-notch amenities, it's a property that's not to be missed. This co-op is ready to meet your needs and exceed your expectations. So why wait? Step into a life of luxury and convenience at 281 Dune Rd Unit 16B.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1969

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Interior Area

  • Total structure area: 675
  • Total interior livable area: 675 sqft

Property

Features

  • Private pool: Yes
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront
  • Frontage type: Waterfront

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 FloodingVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Inland Flooding
Hurricane
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 $4,550$54,600
Home Insurance *$291$3,492
Property Taxes $1,215$14,580
Electricity $246$2,954
Total$6,302$75,624
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$216,068/yr
40% on housing$189,060/yr
45% on housing$168,053/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

$1,333This listing

vs Other Active Listings

Avg $/sqft

ZIP 11978$1,118
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11978$791
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
2026-04-03Pending sale$530,000
2026-03-25Price change$950,000
2025-11-29Price change$530,000
2025-09-20Listed for sale$950,000
2023-09-27Listing removed--
2023-07-31Pending sale$499,000
2023-05-12Price change$499,000
2022-07-26Price change$525,000
2022-07-13Price change$540,000
2022-06-23Price change$599,000
2022-06-16Listed for sale$625,000
2022-04-06Listing removed--
2022-02-08Pending sale$975,000
2020-10-08Price change$975,000
2020-09-05Price change$649,000
2020-08-07Price change$699,000
2020-06-12Listing removed$8,333
2020-06-12Listed for sale$729,000
2020-05-04Listed for rent$8,333
2020-02-26Listing removed$649,000
2020-02-19Listed for sale$649,000
2017-03-03Listing removed$349,990
2017-03-01Listed for sale$349,990
2016-10-01Listing removed$349,990
2016-09-27Sold$328,000
2016-04-11Listing removed$20,000

For Sale by Agent

AgentViviana Smith
BrokerageDouglas Elliman

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