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225 W Lake Dr, Montauk, NY, 11954

3beds
1baths
1,100sqft
$1,499,000
$1,363price/sqft
$10,358/moest. monthly cost
$414,320/yrincome needed

About This Home

This well-located 3 bedroom, 1 bath home offers the perfect blend of comfort, convenience, and coastal lifestyle. Situated on .36-acre cleared lot, the property provides ample space for outdoor enjoyment,expansion, or future customization.The home feautures a functional layout with a two car garage, ideal for storage, vehicles, or beach gear.Don't miss the opportunity to own a property in a desirable location with endless potential. Room for pool.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

7/10
Montauk SchoolGrades PK-82.0 mi

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: No

Bedrooms & Bathrooms

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

Interior Area

  • Total structure area: 1,100
  • Total interior livable area: 1,100 sqft

Property

Details

  • Parcel number: 0300019000400032000

Features

  • Stories: 1

Lot

  • Lot size: 0.34 Acres

Parking

  • Parking features: GarageDetached
  • Has garage: 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 FloodingModerate
  • Hurricane
    HurricaneModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
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 $7,579$90,948
Home Insurance *$510$6,120
Property Taxes $2,023$24,276
Electricity $246$2,954
Total$10,358$124,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$355,131/yr
40% on housing$310,740/yr
45% on housing$276,213/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

$1,363This listing

vs Other Active Listings

Avg $/sqft

ZIP 11954$1,505
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11954$870
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
2026-03-25Listed for sale$1,499,000

For Sale by Agent

AgentTheresa Eurell - Real Estate Sales Person
BrokerageSaunders & Associates

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