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36 Oak Lane, Wading River, NY, 11792

3beds
1baths
800sqft
$649,000
$811price/sqft
$4,632/moest. monthly cost
$185,280/yrincome needed

About This Home

Charming home located in the quaint beachfront community of Wading River Shores consisting of 48 homes with private deeded beach rights on the Long Island Sound. Also in Shoreham Wading River school district, this home is ideal for year round living or a summer retreat. . The open front porch invites you to relax watching evening sunsets over the sound. Home features cozy living room anchored by a fireplace and hardwood floors that run throughout the home. An updated white kitchen featuring solid surface counters, stainless sink, and appliances seamlessly opening into a dining area/living room with a wall of windows/shutters . Modern bathroom, recently updated in 2019, featuring a contemporary step-in shower and a double vanity. Bright rear room has two sky lights, side door and sliders leading to low profile deck in rear. The Laundry room is on main level. The basement is perfect for storing your paddle boards, kayaks, bikes, or summer deck furniture. Updated 2025 electric panel 200 amp, and new baseboard. Enjoy outdoor living in the serene, private backyard with plenty of space for gardening and lounging, complemented by a new driveway and retaining wall completed in 2025.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

5/10
Wading River SchoolGrades 3-51.5 mi
7/10
10/10

Construction

Condition

  • Year built: 1955

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Refrigerator,Stainless Steel Appliance(s),Washer

Basement

  • Has basement: Yes
  • Basement: Bilco Door(s),Partial,Storage Space,Unfinished

Bedrooms & Bathrooms

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

Features

  • First Floor Bedroom,First Floor Full Bath,Cathedral Ceiling(s),Ceiling Fan(s),Double Vanity,Eat-in Kitchen
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Attic: Storage

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: None

Interior Area

  • Total structure area: 800
  • Total interior livable area: 800 sqft

Property

Details

  • Parcel number: 0600025000100011000
  • Special condition: None

Features

  • Patio & porch: Deck,Porch
  • Has view: Yes
  • View description: Trees/Woods,Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 4,792 sqft
  • Features: Back Yard,Cul-De-Sac,Front Yard,Landscaped,Views

Parking

  • 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Winter Weather
Cold Wave
Hurricane
Inland Flooding
Lightning
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 $3,281$39,372
Home Insurance *$229$2,748
Property Taxes $876$10,512
Electricity $246$2,954
Total$4,632$55,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$158,811/yr
40% on housing$138,960/yr
45% on housing$123,520/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

$811This listing

vs Other Active Listings

Avg $/sqft

ZIP 11792$336
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11792$355
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
2026-01-17Listed for sale$649,000
2019-06-04Sold$265,000
2019-01-07Listed for sale$299,000

For Sale by Agent

AgentKathleen Coughlan CBR
BrokerageColdwell Banker American Homes

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