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46 Florida Street, Long Beach, NY, 11561

3beds
1baths
1,089sqft
$949,999
$872price/sqft
$6,790/moest. monthly cost
$271,600/yrincome needed

About This Home

Welcome to 46 Florida Street — a 2017 ground-up FEMA-compliant rebuild in the flourishing West End of Long Beach, where the morning surf check is a one-block walk and the lifestyle is everything you want in a beach community. Not a renovation or a lift, a true 2017 reconstruction — FEMA-compliant, raised, and engineered for the next generation of coastal living. From the ground up, everything is current: structural, mechanical, electrical, plumbing. Three sun-filled bedrooms, an efficient floorplan, central HVAC, and gas heat make for an effortless year-round home. The spacious 1-car garage plus private driveway is a true luxury on West End streets. Easily access the heart of the West End — the beloved and walkable downtown of Long Beach. Beech Street's restaurants, surf shops, and beach bars are minutes away. Walk a few houses down to access the stunning white sand beaches and the Atlantic Ocean. The LIRR makes Manhattan a fast train ride, and the Long Beach boardwalk — 2.2 miles of ocean-side promenade — is yours to walk or bike every morning. Add some piece of mind to your coastal living as 46 Florida was built to last. Here, you get the same beloved West End — same beach, same Long Beach community — but in a turnkey home built to the standards of the next half-century. Just a clean, modern, properly elevated home in the neighborhood everyone wants to live in. Whether you're looking for full-time beachside residence or a summer escape, 46 Florida is what you've been waiting for.

Getting Around

77
WalkingVery Walkable
22
TransitMinimal Transit
52
BikeBikeable

Schools

6/10
West Elementary SchoolGrades PK-50.2 mi
5/10
Long Beach Middle SchoolGrades 6-86.4 mi
7/10

Construction

Condition

  • Year built: 2017

Materials

  • Foundation: Other
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Oven,Refrigerator

Bedrooms & Bathrooms

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

Features

  • Open Floorplan
  • Attic: Partial

Heating & Cooling

  • Heating features: Hot Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,089
  • Total interior livable area: 1,089 sqft

Property

Details

  • Parcel number: 1000581050000050
  • Special condition: None

Lot

  • Lot size: 1,800 sqft

Parking

  • Total spaces: 3
  • Parking features: Covered,Garage,Off Street,On Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: 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
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Inland Flooding
Winter Weather
Tsunami

FEMA Declared Disasters in Nassau County and New York

Flood
Severe Storm
Snowstorm

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 $4,803$57,636
Home Insurance *$380$4,560
Property Taxes $1,361$16,332
Electricity $246$2,954
Total$6,790$81,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$232,800/yr
40% on housing$203,700/yr
45% on housing$181,066/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: 6.4%
6.4%
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

$872This listing

vs Other Active Listings

Avg $/sqft

ZIP 11561$570
Nassau County$567

vs Homes Sold Last Month

Median $/sqft

ZIP 11561$522
Nassau County$510

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
2026-08-03Price change$949,999
2026-07-27Price change$950,000
2026-07-22Price change$960,000
2026-06-25Price change$974,998
2026-06-04Price change$974,999
2026-05-23Listed for sale$975,000
2003-06-02Sold$275,000

For Sale by Agent

AgentPaul J. Gomez
BrokeragePoint Realty

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