See other homes in:
Primary listing photo

14 Beach Plum Lane, Saint James, NY, 11780

4beds
3baths
3,000sqft
$1,195,000
$398price/sqft
$8,700/moest. monthly cost
$348,000/yrincome needed

About This Home

Nestled in a beach community with access to a private beach (dues required), this beautifully crafted coastal residence offers the perfect blend of luxury, comfort, and modern convenience. Featuring a timeless cedar shingle exterior and stunning water views from multiple balconies, this exceptional home was thoughtfully designed with high-end finishes throughout. The open and airy living spaces showcase vaulted ceilings, white oak flooring, and motorized shades in the living room, kitchen, and dinette area. A wood-burning fireplace creates a warm and inviting focal point, while custom cabinetry, a Cooper farmhouse sink, induction stove and premium details elevate the chef’s kitchen. Step outside to enjoy the spacious deck with retractable awning, outdoor shower, sprinkler system, and beautifully designed exterior spaces ideal for entertaining. The third-floor primary suite is a true retreat, complete with a private balcony overlooking the water, en suite bath, and custom maple-finished closets with maple drawers. Additional luxury features include radiant heated tile flooring on the first floor, heat pump systems servicing the main and third floors, smart thermostats, Ring doorbell system, Kohler generator, recessed hinges, European magnetic door strikes, and sprinkler protection for third-floor exit access. Additional highlights include a two car garage, U-shaped driveway, and excellent proximity to local amenities. Enjoy easy access to Long Beach Town Park, located nearby, just 0.6 miles from Smithtown Bay Yacht Club, approximately 6 miles to the Long Island Rail Road station in St. James. A rare opportunity to enjoy refined coastal living with luxury finishes, smart-home features, and breathtaking surroundings.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

5/10
6/10
Nesaquake Middle SchoolGrades 6-83.7 mi
9/10

Construction

Condition

  • Year built: 1972

Materials

  • Construction materials: Cedar

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Oven,Refrigerator
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • First Floor Bedroom,Eat-in Kitchen,Granite Counters,Open Kitchen
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Attic: Crawl

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 3,000 sqft

Property

Details

  • Parcel number: 802 6310.0
  • Special condition: None

Features

  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: Beach Access

Lot

  • Lot size: 0.51 Acres
  • Lot size dimensions: .51

Parking

  • Total spaces: 2
  • Parking features: Private
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
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 $6,042$72,504
Home Insurance *$550$6,600
Property Taxes $1,613$19,356
Electricity $495$5,949
Total$8,700$104,400
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$298,285/yr
40% on housing$261,000/yr
45% on housing$232,000/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

$398This listing

vs Other Active Listings

Avg $/sqft

ZIP 11780$417
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11780$405
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)

No zestimate history available

Price History

DateEventPrice
2026-05-08Listed for sale$1,275,000
2015-08-13Sold$318,000
2014-07-14Sold$804,750

For Sale by Agent

AgentBeth Agliato
BrokerageDaniel Gale Sothebys Intl Rlty

Similar Homes