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74 Florida Ave, Commack, NY, 11725

3beds
2baths
1,868sqft
$715,000
$383price/sqft
$5,117/moest. monthly cost
$204,680/yrincome needed

About This Home

Bring your vision to this spacious 1,800 sq. ft. ranch in desirable South Commack, conveniently located just minutes from the Northern State Parkway and the Long Island Expressway. Situated on over one-third of an acre with mature trees and established landscaping, the property offers a private backyard setting with endless possibilities. Inside, you'll find generously sized bedrooms, soaring 8- and 9-foot ceilings, and a spacious layout ready to be reimagined to suit your style. A full, 1,500 sq. ft. basement with 7-foot ceilings provides exceptional space for storage, recreation, or future finishing (subject to approvals). This property is being sold AS-IS and presents a great opportunity for buyers looking to renovate or customize. Seller will not be making repairs or offering credits. Buyer is responsible for any required Certificates of Occupancy (COs), Certificates of Compliance, permits, municipal approvals, and associated costs. Proof of funds is required with all offers. Buyers are encouraged to complete their own due diligence. The roof was replaced with architectural asphalt shingles in 2014. There is currently 100AMP electrical service Home has baseboard heat via fuel oil boiler No central air Room Sizes: Garage 20'x15'8" FamilyRm 17'x15'8" Kitchen 11'x8'4" DiningRM 12'6"x11' Dinette 10'x8' LivingRM 19x13'4" MasterBedRM 16'x13'4" Bedroom2 14'8"x11'4" Bedroom3 14'4"x10' Basement 38x24+23x26 (1500sqft)

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

5/10
6/10
Commack Middle SchoolGrades 6-81.4 mi
9/10
Commack High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 1968

Materials

  • Roof: Asphalt
  • Construction materials: Wood

Type & Style

  • Home type: SingleFamily

Interior

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Baseboard,Other,Oil,Other
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,868 sqft

Property

Details

  • Parcel number: 0800177000300017000

Features

  • Exterior features: Wood

Lot

  • Lot size: 0.38 Acres

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached,Off-street

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

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Ice Storm
Lightning
Strong Wind
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 $3,615$43,380
Home Insurance *$229$2,748
Property Taxes $965$11,580
Electricity $308$3,704
Total$5,117$61,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$175,440/yr
40% on housing$153,510/yr
45% on housing$136,453/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

$383This listing

vs Other Active Listings

Avg $/sqft

ZIP 11725$416
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)

No zestimate history available

Price History

DateEventPrice
2026-08-04Pending sale$715,000
2026-07-23Listed for sale$715,000

For Sale by Owner

AgentProperty Owner

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