46 Terry Drive, Sag Harbor, NY, 11963
About This Home
New construction in a private beach community just moments from Sag Harbor Village. Situated on a corner lot of approximately 0.19 acres, this 5-bedroom, 5.5-bath residence offers approximately 3,800 square feet of living space designed for modern coastal living. The open floor plan features living and dining areas filled with natural light, a well-appointed kitchen with premium finishes and appliances, and two primary suites, including one on the main level and one on the second floor, providing flexibility for guests, multigenerational living, or a variety of lifestyle needs. Contemporary details include wide-plank flooring, an electric LED fireplace, and multiple indoor and outdoor gathering spaces. The landscaped grounds offer patio areas for outdoor dining and entertaining. Conveniently located near Sag Harbor Village shops, restaurants, marinas, and beaches, this newly constructed home offers a combination of modern design and coastal convenience. 5 Bedrooms | 5.5 Baths | Approx. 3,800 SF | Approx. 0.19 Acres | New Construction | Private Beach Community
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Actual,Updated/Remodeled
- Year built: 1954
Materials
- Foundation: Brick/Mortar
- Construction materials: Cedar,Frame
Notable Dates
- Major remodel year: 2021
Type & Style
- Home type: SingleFamily
- Architectural style: Other,Ranch
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Convection Oven,Cooktop,Dishwasher,Dryer,ENERGY STAR Qualified Appliances,Washer,Wine Refrigerator
- Laundry features: Washer/Dryer Hookup,In Basement
Basement
- Level: Basement
Basement
- Has basement: Yes
- Basement: Finished,Full
Bathroom1
- Level: Second
Bathroom3
- Level: First
Bedroom1
- Level: Second
Bedroom3
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 6
- Full bathrooms: 5
- 1/2 bathrooms: 1
Den
- Level: First
Features
- First Floor Bedroom,First Floor Full Bath,Built-in Features,Ceiling Fan(s),Chandelier,Chefs Kitchen,Eat-in Kitchen,Formal Dining,Granite Counters,High Ceilings,Kitchen Island,Low Flow Plumbing Fixtures,Open Floorplan,Open Kitchen,Other,Pantry,Primary Bathroom,Master Downstairs,Smart Thermostat,Sound System,Speakers,Storage,Whole House Entertainment System
- Window features: Blinds,Double Pane Windows,Drapes,Oversized Windows
- Flooring: Hardwood
- Number of fireplaces: 1
- Fireplace: Yes
- Attic: None
Heating & Cooling
- Heating features: Forced Air,Natural Gas,Other
- Cooling features: Central Air
Interior Area
- Total structure area: 3,800
- Total interior livable area: 3,800 sqft
Property
Details
- Parcel number: 0302003000500001000
- Special condition: None
Features
- Levels: One
- Pool features: In Ground
- Patio & porch: Deck,Patio
- Exterior features: Dock,Speakers
- Fencing: Fenced
- Has view: Yes
- View description: Panoramic,Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Beach Access,Beach Front,Water Access
Lot
- Lot size: 9,148 sqft
- Features: Back Yard,Corner Lot,Front Yard,Garden,Landscaped,Level,Near Shops,Other,Private,Views
Parking
- Total spaces: 4
- Parking features: Carport,Driveway,Parking Lot,Private
- Has uncovered spaces: Yes
- Carport: 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
- 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 | $22,754 | $273,048 |
| Home Insurance * | $1,974 | $23,688 |
| Property Taxes | $6,075 | $72,900 |
| Electricity | $627 | $7,535 |
| Total | $31,430 | $377,160 |
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 |
|---|---|---|
| 2026-06-03 | Listed for sale | $4,500,000 |
| 2023-10-01 | Listing removed | -- |
| 2023-09-05 | Price change | $1,895,000 |
| 2023-06-25 | Listed for sale | $1,925,000 |
| 2011-08-23 | Sold | $510,000 |
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