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72 Circle Drive, Oak Beach, NY, 11702

4beds
3baths
2,960sqft
$1,598,888
$540price/sqft
$11,400/moest. monthly cost
$456,000/yrincome needed

About This Home

This private gated community immaculate turnkey home has been fully renovated with a professional interior designer in the past three years. With four bedrooms and three full baths on two levels, this home boasts scenic water views without the waterside taxes. Plenty of front of home parking with a heated two-car attached garage leading into the first level that accommodates both living and sleeping areas. Enter the second floor living space and be prepared to be wowed by the wall of windows paired with spectacular views of the Fire Island Inlet. You'll never tire of this view in any season. This open living space encompasses living room with propane-fired fieldstone fireplace, adjoining dining area accommodating seating for 12, plus, and a brand new kitchen fully equipped with state-of-the-art appliances as well as a walk-in pantry, all wood flooring, newly painted, 220-volt electrical panel, completely updated, new AC system, and fully alarmed. Primary en-suite inclusive of a 9x12 walk-in closet, new bath in 2025 with radiant heat flooring. Second bedroom on this level is large and inviting with plenty of space for two, second fully renovated bath adjacent to the bedroom and living space. Entry level also accommodates a living space, two bedrooms, full bath, and storage, laundry, tool room, bonus attic storage with a pull-down stairs off upper living area. Home has solar, electric vehicle charger in adjoining two-car garage, in-ground sprinklers, saltwater pool with surround decking built in 2023, water softener, acid reducer, charcoal filter water system, oil heat with above-ground tank, propane gas stove and fireplace, back and side deck with outdoor kitchen, fully alarmed, ring and perimeter cameras, 40x15 feet of storage shed, outdoor hot and cold shower, cultivated gardens with cascading water fountain, and 2026 raised vegetable beds fed by artesian well. Oak Beach community boasts a 10-minute ride to bustling Babylon downtown, as well as neighboring Bayshore alongside other vibrant communities that boast dozens of restaurants, live theater, and diverse recreational opportunities. Five-star beaches galore include Tobay, Cedar, Overlook, and Jones Beach. The communities of Fire Island are visible across the Fire Island Inlet, enhancing the home’s exceptional coastal setting. Robert Moses State Park Beach, which is also a ferry ride away from Bayshore. These town beaches offer all manner of activities including live bands daily. Best of all, this 71-home gated community has its own private beaches along its shores with complete idyllic privacy. Boat moorings available at this home's doorstep and private community dock space is expected to be available in the upcoming year.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

10/10
Woodhull SchoolGrades PK-65.7 mi
5/10
8/10

Construction

Condition

  • Year built: 1960

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Dryer,ENERGY STAR Qualified Appliances,Exhaust Fan,Freezer,Gas Cooktop,Gas Oven,Gas Range,Microwave,Oven,Refrigerator,Stainless Steel Appliance(s),Washer,Gas Water Heater,Water Softener Owned,Wine Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • First Floor Bedroom,First Floor Full Bath,Beamed Ceilings,Cathedral Ceiling(s),Ceiling Fan(s),Eat-in Kitchen,Formal Dining,Kitchen Island,Low Flow Plumbing Fixtures,Open Floorplan,Open Kitchen,Original Details,Pantry,Quartz/Quartzite Counters,Recessed Lighting,Smart Thermostat,Storage,Walk-In Closet(s)
  • Door features: ENERGY STAR Qualified Doors
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Pull Stairs

Heating & Cooling

  • Heating features: Baseboard,Radiant Floor
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,960
  • Total interior livable area: 2,960 sqft

Property

Details

  • Parcel number: 0100243000100211000
  • Special condition: None

Features

  • Private pool: Yes
  • Pool features: Above Ground,Electric Heat,Fenced,Outdoor Pool,Pool Cover,Salt Water
  • Patio & porch: Deck
  • Exterior features: Mailbox
  • Fencing: Back Yard,Fenced
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 0.31 Acres
  • Features: Back Yard,Front Yard,Landscaped,Level,Sprinklers In Front,Sprinklers In Rear

Parking

  • Total spaces: 2
  • Parking features: Driveway,Heated Garage,Off Street,Private,Storage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • 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 $8,084$97,008
Home Insurance *$669$8,028
Property Taxes $2,158$25,896
Electricity $489$5,870
Total$11,400$136,800
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$390,857/yr
40% on housing$342,000/yr
45% on housing$304,000/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

$540This listing

vs Other Active Listings

Avg $/sqft

ZIP 11702$477
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11702$405
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
2026-07-29Price change$1,598,888
2026-07-02Listed for sale$1,698,888

For Sale by Agent

AgentRobert A. Korber
BrokerageSignature Premier Properties

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