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84 Point Road, Riverhead, NY, 11901

3beds
1baths
900sqft
$425,000
$472price/sqft
$3,120/moest. monthly cost
$124,800/yrincome needed

About This Home

Welcome to an amazing opportunity steps from Reeves Bay and Southampton Town Resident Boat Ramp. This cozy 3 bedroom , 1 bath home has a eat in kitchen with new cabinets, and both a brand new range and and brand new refrigerator . The entire interior of the home has just been painted. Make it your own and have your weekend get away or your year round paradise with LOW LOW taxes. There is gas heat and central air. Enjoy yourself on your private quarter acre property. Riverhead Schools and in the Town of Southampton.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

2/10
Phillips Avenue SchoolGrades K-41.5 mi
3/10
Riverhead Middle SchoolGrades 6-82.7 mi
3/10

Construction

Condition

  • Year built: 1991

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Refrigerator,Gas Water Heater

Bedrooms & Bathrooms

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

Features

  • First Floor Bedroom,First Floor Full Bath,Eat-in Kitchen
  • Attic: Partial

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 900
  • Total interior livable area: 900 sqft

Property

Details

  • Parcel number: 0900122000100051000
  • Special condition: None

Features

  • Levels: One

Lot

  • Lot size: 0.25 Acres

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
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Lightning
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 $2,149$25,788
Home Insurance *$152$1,824
Property Taxes $573$6,876
Electricity $246$2,954
Total$3,120$37,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,971/yr
40% on housing$93,600/yr
45% on housing$83,200/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

$472This listing

vs Other Active Listings

Avg $/sqft

ZIP 11901$388
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11901$459
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
2026-03-24Price change$459,000
2026-01-02Listed for sale$485,000
2025-12-22Listing removed$459,000
2025-07-16Pending sale$459,000
2025-01-30Listed for sale$459,000
2010-11-23Sold$265,000

For Sale by Agent

AgentMichael E. Silano
BrokerageDaniel Gale Sothebys Intl Rlty

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