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3 Laurel Road W, Mastic Beach, NY, 11951

3beds
3baths
1,155sqft
$399,999
$346price/sqft
$3,008/moest. monthly cost
$120,320/yrincome needed

About This Home

SUPER LOW TAXES & NO FLOOD Required makes this one a steal! Renovated in 2024! This industrial, beachy house with water views has all the vibes and is a plant lover's paradise! Perfectly located near public beaches, scenic parks, kayak launches, and stunning views of the Great South Bay, this updated home offers the perfect blend of modern beach house and industrial loft style. Featuring 3 bedrooms and 2.5 bathrooms, including a private bedroom suite with its own full bath, this home is filled with character from the cathedral ceilings, Long custom windows to the beachy wood boho-inspired design throughout. Recent updates include a NEW roof, NEW HVAC system, NEW plumbing, NEW siding, NEW windows, updated bathrooms, and NEW kitchen appliances complete with a stainless steel hood. Laundry hookup adds everyday convenience. Step outside to a NEW spacious wood deck and a unique bonus opportunity: electric, water, and cesspool hookups already in place outside perfect for a work-from-home trailer, creative studio, or future possibilities. Opportunity to purchase adjacent lot for additional space and expansion potential. Perfect investment opportunity or full time residency! Homes with taxes this low do not last!

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

5/10
3/10
William Floyd High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1945

Materials

  • Construction materials: Frame

Notable Dates

  • Major remodel year: 2024

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range
  • Laundry features: In Hall

Basement

  • Has basement: Yes
  • Basement: Bilco Door(s), Partial, Unfinished

Bedrooms & Bathrooms

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

Features

  • First Floor Bedroom,First Floor Full Bath,Cathedral Ceiling(s),Eat-in Kitchen,High Ceilings,Open Floorplan,Open Kitchen,Primary Bathroom,Storage,Washer/Dryer Hookup
  • Flooring: Ceramic Tile

Heating & Cooling

  • Heating features: Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,155
  • Total interior livable area: 1,155 sqft

Property

Details

  • Parcel number: 0200980501300056000
  • Attached to another structure: Yes

Features

  • Levels: One
  • Patio & porch: Deck,Porch
  • Exterior features: Lighting,Rain Gutters
  • Fencing: Back Yard
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 6,098 sqft
  • Features: Back Yard

Parking

  • Parking features: Off Street

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
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal 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 $2,022$24,264
Home Insurance *$201$2,412
Property Taxes $539$6,468
Electricity $246$2,954
Total$3,008$36,096
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,131/yr
40% on housing$90,240/yr
45% on housing$80,213/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

$346This listing

vs Other Active Listings

Avg $/sqft

ZIP 11951$302
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11951$364
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
2026-07-22Price change$399,999
2026-06-22Listed for sale$459,999
2005-03-02Sold$200,000
2003-03-21Sold$135,000

For Sale by Agent

AgentKatelyn A. Montrony
BrokerageEXP Realty

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