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22 S Lot Road, Smithtown, NY, 11787

4beds
3baths
0sqft
$905,000
--price/sqft
$6,336/moest. monthly cost
$253,440/yrincome needed

About This Home

Pristine and sophisticated, this beautifully customized 4-bedroom, 2.5-bath ranch offers a spectacular open-concept design perfect for today's lifestyle. Originally built in the 1960s, the home has been thoughtfully updated over the years to reflect timeless elegance and exceptional craftsmanship. The stunning center island kitchen features a dramatic 7-foot black granite island, Sub-Zero refrigerator, Bosch dishwasher, GE appliances, under-counter microwave, and cooktop. Hardwood floors and custom built-ins enhance the home's warmth and character, while the spacious living and entertaining areas flow seamlessly to the rear deck for effortless indoor-outdoor living. A truly special home that is impeccably maintained and a must see.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

7/10
7/10
Accompsett Middle SchoolGrades 6-82.6 mi
10/10

Construction

Condition

  • Year built: 1965

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Clapboard

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Cooktop,Dishwasher,Disposal,Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater,Microwave,Oven,Range,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: In Basement,Laundry Room

Basement

  • Has basement: Yes
  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Beamed Ceilings,Built-in Features,Cathedral Ceiling(s)
  • Flooring: Hardwood,Wood
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Attic: None

Heating & Cooling

  • Heating features: Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0

Property

Details

  • Parcel number: 0800079000100016000
  • Special condition: None

Features

  • Levels: One
  • Fencing: Back Yard
  • Residential vegetation: Partially Wooded

Lot

  • Lot size: 0.50 Acres
  • Features: Cul-De-Sac,Level
  • Lot size dimensions: 21,780

Parking

  • Total spaces: 4
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • 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 $4,576$54,912
Home Insurance *$293$3,516
Property Taxes $1,221$14,652
Electricity $246$2,954
Total$6,336$76,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$217,234/yr
40% on housing$190,080/yr
45% on housing$168,960/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 11787$426
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
2026-07-31Listed for sale$905,000
2015-12-22Sold$275,000
2015-10-01Pending sale$309,000
2015-09-13Listed for sale$309,000
1995-07-18Sold$250,000

For Sale by Agent

AgentLinda D. Sauerbrey
BrokerageDaniel Gale Sothebys Intl Rlty

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