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653 Main Road, Riverhead, NY, 11901

3beds
3baths
1,581sqft
$895,000
$566price/sqft
$6,316/moest. monthly cost
$252,640/yrincome needed

About This Home

Rare Rural Corridor Zoning in highly trafficked, prime location on Main Road, in the heart of Aquebogue, the gateway to the North Fork. This zoning allows the existing home on level 1.2 acre to be converted to a wide variety of uses including professional offices, or the existing 1500 sf+ home may be enlarged for use as attorney, dentist, doctor, architect, or other professional office. If your desired use is as a rental, zoning allows creating a 2 family unit. RC Zoning also allows a bakery, coffee shop, cafe, bistro, antique store, tasting room, farmstand, place of worship, school and more, all in a high visibiity location near popular North Fork destinations.

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

3/10
3/10
Riverhead Middle SchoolGrades 6-83.1 mi
3/10

Construction

Condition

  • Year built: 1930

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • First Floor Bedroom
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Unfinished

Heating & Cooling

  • Heating features: Oil
  • Cooling features: None

Interior Area

  • Total structure area: 1,581
  • Total interior livable area: 1,581 sqft

Property

Details

  • Parcel number: 0600067000100031000
  • Special condition: None

Features

  • Levels: One and One Half

Lot

  • Lot size: 1.20 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $4,525$54,300
Home Insurance *$322$3,864
Property Taxes $1,208$14,496
Electricity $261$3,135
Total$6,316$75,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$216,548/yr
40% on housing$189,480/yr
45% on housing$168,426/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

$566This listing

vs Other Active Listings

Avg $/sqft

ZIP 11901$383
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)

No zestimate history available

Price History

DateEventPrice
2026-04-30Price change$895,000
2026-01-13Price change$925,000
2025-08-13Listed for sale$975,000

For Sale by Agent

AgentJanet R. Bidwell CBR
BrokerageDouglas Elliman Real Estate

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