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376 Moriches Road, Saint James, NY, 11780

3beds
2baths
1,322sqft
$595,000
$450price/sqft
$4,330/moest. monthly cost
$173,200/yrincome needed

About This Home

Welcome to 376 Moriches Road in St. James, where small-town charm, North Shore convenience, and everyday comfort come together. St. James is known for its welcoming atmosphere, local restaurants, parks, beaches, shopping, rail access, and its close proximity to Stony Brook University, Stony Brook Hospital, Smith Haven Mall, and the Smithtown School District. This three-bedroom, two-bath ranch offers easy one-level living with hardwood floors, an eat-in kitchen with stainless steel appliances, bay windows in the kitchen and living room, Laundry on the main level just off the kitchen, and a full, partially finished basement that provides flexible space for a den, home office, gym, playroom, media room, guest area, or storage. Out back, the private fenced yard opens the door to a whole new level of everyday living. Picture summer barbecues, morning coffee on the patio, a fire pit area, garden beds, play space, room for pets, or even creating your own outdoor lounge where friends and family can gather. Whether you keep it simple or build out the backyard retreat you have always wanted, the space gives the next owner plenty of possibilities. With a newer roof and a great location close to town, parks, restaurants, shopping, beaches, and transportation, 376 Moriches Road is more than a home. It is a chance to enjoy the St. James lifestyle while creating the next chapter exactly the way you want it.

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

6/10
7/10
Nesaquake Middle SchoolGrades 6-81.7 mi
10/10

Construction

Condition

  • Property condition: Actual
  • Year built: 1969

Materials

  • Construction materials: Cedar,Shake Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Oven,Refrigerator,Washer
  • Laundry features: Washer/Dryer Hookup,Inside

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • First Floor Bedroom,Eat-in Kitchen,Formal Dining,Primary Bathroom,Storage
  • Window features: Double Pane Windows
  • Flooring: Hardwood
  • Attic: Crawl

Heating & Cooling

  • Heating features: Baseboard,Hot Water,Oil
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,782
  • Total interior livable area: 1,322 sqft

Property

Details

  • Parcel number: 0800057000100003000
  • Special condition: None

Features

  • Fencing: Back Yard
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 0.37 Acres

Parking

  • Parking features: Driveway,Private
  • 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 $3,008$36,096
Home Insurance *$273$3,276
Property Taxes $803$9,636
Electricity $246$2,954
Total$4,330$51,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,457/yr
40% on housing$129,900/yr
45% on housing$115,466/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

$450This 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)

Price History

DateEventPrice
2026-07-29Price change$595,000
2026-07-03Listed for sale$600,000

For Sale by Agent

AgentJames T. Haydon E-PRO
BrokerageBH&G R E Realty Connect

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