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16 Cross Bow Lane, Commack, NY, 11725

5beds
4baths
2,930sqft
$975,000
$333price/sqft
$7,043/moest. monthly cost
$281,720/yrincome needed

About This Home

Welcome to this beautifully extended Splanch nestled in the highly sought-after Candy Section and located within the acclaimed Commack School District. Situated on a sprawling half-acre property, this spacious 5-bedroom, 3.5-bath residence offers the perfect blend of comfort, functionality, and style. Designed with today's lifestyle in mind, the home features a bright, open-concept eat-in kitchen with abundant counter space, making meal preparation and holiday entertaining effortless. The impressive formal living room showcases soaring vaulted ceilings, gleaming hardwood floors, and oversized windows that fill the space with natural light while offering picturesque views of the backyard. A rare and desirable feature, this home boasts two primary bedroom suites. The main-level primary retreat features sliding glass doors overlooking the yard, a walk-in closet, and a private ensuite bath, offering ideal accommodations for guests or multigenerational living. An additional bedroom and powder room complete the main level. Upstairs, you'll find three generously sized bedrooms, including a second primary suite with its own ensuite bath and two spacious closets. Additional updates and amenities include hardwood floors throughout, fresh interior paint, updated windows, updated electric, an updated cesspool, and a circular driveway providing ample parking and impressive curb appeal. With its flexible floor plan, exceptional living space, and prime location in one of Commack's most desirable neighborhoods, this is an opportunity not to be missed.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

--
North Ridge SchoolGrades K-20.2 mi
6/10
Commack Middle SchoolGrades 6-83.3 mi
9/10
Commack High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1963

Materials

  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven,Range,Refrigerator,Washer,Gas Water Heater
  • Laundry features: Washer/Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Partial

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom4

  • Level: Third

Bedroom1

  • Level: First

Bedroom4

  • Level: Third

Bedroom5

  • Level: Third

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Den

  • Level: First

Features

  • First Floor Bedroom,First Floor Full Bath,Eat-in Kitchen,Natural Woodwork,Open Floorplan,Primary Bathroom,Walk-In Closet(s)
  • Attic: Full

Heating & Cooling

  • Heating features: Baseboard,Natural Gas
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total structure area: 3,172
  • Total interior livable area: 2,930 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: Second

Master Bathroom

  • Level: First

Master Bathroom

  • Level: Third

Master Bedroom

  • Level: Third

Property

Details

  • Parcel number: 0800041000500051000
  • Special condition: None

Lot

  • Lot size: 0.50 Acres

Parking

  • Total spaces: 1
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $4,930$59,160
Home Insurance *$313$3,756
Property Taxes $1,316$15,792
Electricity $484$5,810
Total$7,043$84,516
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$241,474/yr
40% on housing$211,290/yr
45% on housing$187,813/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

$333This listing

vs Other Active Listings

Avg $/sqft

ZIP 11725$419
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11725$426
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
2026-07-24Listed for sale$975,000

For Sale by Agent

AgentLynn D. Witz
BrokerageHoward Hanna Coach

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