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42 Pineacre Drive, Smithtown, NY, 11787

3beds
1baths
1,465sqft
$699,999
$478price/sqft
$4,956/moest. monthly cost
$198,240/yrincome needed

About This Home

Well maintained cozy ranch on tree lined street in Smithtown on .63 property with a detached garage. This home offers a formal living room, dining room, den, eat in kitchen, w/propane cooking as well as 3 bedrooms and 1 full bathroom. There are Anderson windows, hardwood floors in Living room.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

7/10
7/10
Accompsett Middle SchoolGrades 6-80.5 mi
10/10

Construction

Condition

  • Year built: 1941

Materials

  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Range,Microwave,Refrigerator,Washer

Basement

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Partial,Partially Finished

Bathroom1

  • Level: First

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

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

Den

  • Level: First

Dining Room

  • Level: First

Features

  • First Floor Bedroom,First Floor Full Bath,Eat-in Kitchen,Formal Dining,Primary Bathroom
  • Attic: Scuttle

Heating & Cooling

  • Heating features: Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,465
  • Total interior livable area: 1,465 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 0800048000100037000
  • Special condition: None

Lot

  • Lot size: 0.63 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 $3,539$42,468
Home Insurance *$227$2,724
Property Taxes $944$11,328
Electricity $246$2,954
Total$4,956$59,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$169,920/yr
40% on housing$148,680/yr
45% on housing$132,160/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

$478This listing

vs Other Active Listings

Avg $/sqft

ZIP 11787$432
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11787$400
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
2026-07-27Listed for sale$699,999

For Sale by Agent

AgentLorraine Dee Donovan
BrokerageSignature Premier Properties

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