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15 N Brander Pkwy, Shelter Island Heights, NY, 11965

3beds
2baths
1,401sqft
$1,495,000
$1,067price/sqft
$9,358/moest. monthly cost
$374,320/yrincome needed

About This Home

Located around the corner from a sandy beach, this cedar-shingled cottage has had recent renovations. Inside the entry foyer, to the right, is a marvelous, open-plan space with cathedral ceilings. The living area has a bay window to the front of the home and a fireplace. Immediately adjacent is the kitchen with cherry cabinets, granite counters, and recently installed appliances, with an adjacent dining area. A screened porch just off the dining area is one of the most popular spaces, an outdoor room with entertainment deck. There are two guest bedrooms with a hall bathroom, as well as a primary en-suite bedroom. The grounds are beautifully landscaped, and there is a delightful outdoor shower. Also, an oversized attached two-car garage.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Shelter Island SchoolGrades PK-121.8 mi

Construction

Condition

  • Year built: 1970

Type & Style

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

Interior

Basement

  • Basement: No

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Central Air

Features

  • Fireplace: Yes

Interior Area

  • Total structure area: 1,401
  • Total interior livable area: 1,401 sqft

Property

Details

  • Parcel number: 070002200010012000001

Features

  • Stories: 1

Lot

  • Lot size: 0.43 Acres

Parking

  • Parking features: GarageAttached
  • 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 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 $7,559$90,708
Home Insurance *$706$8,472
Property Taxes $847$10,164
Electricity $246$2,954
Total$9,358$112,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$320,845/yr
40% on housing$280,740/yr
45% on housing$249,546/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

$1,067This listing

vs Other Active Listings

Avg $/sqft

ZIP 11965$939
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11965$663
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
2026-04-02Listed for sale$1,495,000

For Sale by Agent

AgentPenelope Moore - Associate Real Estate Broker
BrokerageSaunders & Associates

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