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104-35 186th Street, Saint Albans, NY, 11412

3beds
2baths
1,156sqft
$789,000
$683price/sqft
$4,966/moest. monthly cost
$198,640/yrincome needed

About This Home

This Beautifully Renovated Colonial in Prime Location Can Be Yours !!! This charming 3-bedroom, 1.5-bath Colonial is situated on a quiet residential street, offering the perfect blend of classic character and modern updates. A welcoming front porch leads into a spacious foyer featuring beautiful natural woodwork. The open-concept boasts approximately 1,156 square feet of living space, including a bright living room, dining area, and eat-in kitchen—ideal for both everyday living and entertaining. The open space and updated kitchen features granite countertops and stainless-steel appliances, including an oven, microwave, and refrigerator. The second floor offers three generously sized bedrooms with new insulated windows and screens. The primary bedroom includes dual closets for ample storage. Additional features include a finished full basement, a washer/dryer hookup, Gas heat, and a front yard sprinkler system Step outside to enjoy a private backyard with a wood deck conveniently accessible from the kitchen & basement - perfect for relaxing or entertaining guests. Ideally located near the LIRR, major highways, shopping, restaurants, and local amenities. This move-in-ready home offers comfort, convenience, style, and can be yours TODAY !

Getting Around

73
WalkingVery Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

8/10
Ps 118 Lorraine HansberryGrades PK-50.3 mi
5/10
Is 192 The LindenGrades 6-80.9 mi
3/10
Cambria Heights AcademyGrades 9-120.5 mi

Construction

Condition

  • Property condition: Actual
  • Year built: 1950

Materials

  • Construction materials: Brick,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Microwave,Oven,Range,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Washer/Dryer Hookup,In Basement,Laundry Room,Washer Hookup

Basement

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Entrance Foyer,Kitchen Island,Open Floorplan,Open Kitchen
  • Flooring: Wood
  • Attic: Unfinished

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 1,156 sqft

Other

  • Level: First

Other

  • Level: Second

Property

Details

  • Parcel number: 103720004
  • Attached to another structure: Yes
  • Special condition: None

Features

  • Levels: Two
  • Fencing: Fenced

Lot

  • Lot size: 3,120 sqft

Parking

  • Total spaces: 3
  • Parking features: Driveway
  • 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

  • Heat Wave
    Heat WaveRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Cold Wave
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Queens 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 $3,989$47,868
Home Insurance *$238$2,856
Property Taxes $493$5,916
Electricity $246$2,954
Total$4,966$59,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$170,262/yr
40% on housing$148,980/yr
45% on housing$132,426/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: 2.5%
2.5%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$683This listing

vs Other Active Listings

Avg $/sqft

ZIP 11412$512
Queens County$533

vs Homes Sold Last Month

Median $/sqft

ZIP 11412$517
Queens County$600

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
2026-07-16Price change$789,000
2026-06-12Listed for sale$849,000

For Sale by Agent

AgentIris Bluth
BrokerageLAFFEY REAL ESTATE

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