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277 Howell Avenue, Riverhead, NY, 11901

2beds
1baths
944sqft
$605,000
$641price/sqft
$4,338/moest. monthly cost
$173,520/yrincome needed

About This Home

Lovingly maintained by the same family for decades, this charming 1950s Cape Cod offers timeless character, thoughtful updates, and exciting potential for future expansion. The home features an updated kitchen with classic white cabinetry, granite counters and stainless steel appliances, an updated bath, and newer heating and central air conditioning for year-round comfort. A bright, enclosed sunroom provides the perfect place to relax. The walk-up attic presents an excellent opportunity to expand the living space, with the potential to create two additional bedrooms and a bath, a home office, or a bonus room (with proper permits). Combining classic Cape Cod charm with modern updates and room to grow, this lovingly cared-for home is ready for its next chapter. A wonderful opportunity to make it your own and enjoy it for years to come.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
53
BikeBikeable

Schools

3/10
Roanoke Avenue SchoolGrades PK-40.5 mi
3/10
Riverhead Middle SchoolGrades 6-81.0 mi
3/10

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Block
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Electric Dryer Hookup,In Basement,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Storage Space,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • First Floor Bedroom,First Floor Full Bath,Eat-in Kitchen,Granite Counters
  • Flooring: Hardwood,Vinyl
  • Attic: Storage,Unfinished,Walkup

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 944
  • Total interior livable area: 944 sqft

Property

Details

  • Parcel number: 0600127000400045000
  • Special condition: None

Features

  • Patio & porch: Patio

Lot

  • Lot size: 0.29 Acres
  • Features: Back Yard,Cleared,Sprinklers In Front

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

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

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Coastal Flooding
Cold Wave
Hurricane
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 $3,059$36,708
Home Insurance *$217$2,604
Property Taxes $816$9,792
Electricity $246$2,954
Total$4,338$52,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,731/yr
40% on housing$130,140/yr
45% on housing$115,680/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

$641This listing

vs Other Active Listings

Avg $/sqft

ZIP 11901$386
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
2026-08-18Price change$589,000
2026-07-27Listed for sale$605,000

For Sale by Agent

AgentDenice L. Lara SFR CBR
BrokerageDaniel Gale Sothebys Intl Rlty

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