25 Rector St, Sag Harbor, NY, 11963
About This Home
Two houses positioned just one block from Main Streets' American Hotel and the famous Sag Harbor Superyacht docks; 25 Rector Street offers an exceptionally rare and legal multi-family configuration. Comprising two character-rich structures-The Whaler's Cottage and The Artist's Retreat-the property benefits from a highly coveted, pre-existing non-conforming status, making it an incredibly unique find in the heart of Sag Harbor Village. Steeped in heritage, the one and a half bedroom Whaler's Cottage anchors the eastern portion of the property and dates back to the mid-1800s as a whaling industry supply building. Directly adjacent on the western side sits the one bedroom Artist's Retreat, which was beautifully renovated in 2016 and features an enchanting studio-turned-bedroom. A massive 1500 sq ft brick patio flows from the kitchen's French doors, and offers a spacious finished area for outdoor dining and relaxation. The property has a rich artistic legacy, which is only matched by its incredible future potential. Because the property is not on the list of the Village's inventory of historically significant structures, it allows more freedom to make the house your own. For those seeking multi-generational living, an irreplaceable location, and unrepeatable history- this is a once-in-a-generation opportunity.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family
Interior
Basement
- Has basement: Yes
- Basement: Yes
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Interior Area
- Total structure area: 0
Property
Details
- Parcel number: 0302002000200013000
Features
- Stories: 2
Parking
- Parking features: None
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
- Hurricane
- Inland Flooding
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Suffolk County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $25,257 | $303,084 |
| Home Insurance * | $2,191 | $26,292 |
| Property Taxes | $6,743 | $80,916 |
| Electricity | $246 | $2,954 |
| Total | $34,437 | $413,244 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-29 | Listed for sale | $4,995,000 |
| 2012-01-09 | Sold | $650,000 |
For Sale by Agent
View on Zillow