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About This Home

Builder special extended family with plenty of living space, Hord wood floor through out on the first floor. Home features 10 bedrooms, 4.5 Bathrooms, 2 car garages fireplace, Gas heat, CAC-system. This unique house sits 032 acre of the flat lot close downtown of Saint James, train station. Needs 24 Hours Noticed to show, Appointment only!

Getting Around

Somewhat Walkable

Very Limited Transit

Bikeable

Schools

5/10

Saint James Elementary SchoolGrades K-50.4 mi

6/10

Nesaquake Middle SchoolGrades 6-80.9 mi

9/10

Smithtown High School EastGrades 9-120.8 mi

Construction

Condition

Year built: 1986

Type & Style

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

Interior

Appliances

Appliances included: Dishwasher,Refrigerator,Gas Water Heater
Laundry features: Washer/Dryer Hookup

Basement

Has basement: Yes
Basement: Partial

Bathroom1

Level: First

Bedrooms & Bathrooms

Bedrooms: 10
Bathrooms: 5
Full bathrooms: 4
1/2 bathrooms: 1

Features

First Floor Bedroom,First Floor Full Bath,Eat-in Kitchen,Entrance Foyer,Formal Dining,Master Downstairs,Storage
Attic: None

Heating & Cooling

Heating features: Has Heating (Unspecified Type)
Cooling features: Wall/Window Unit(s)

Interior Area

Total structure area: 0

Property

Details

Parcel number: 0800189000100009000
Special condition: None

Lot

Lot size: 0.32 Acres

Parking

Total spaces: 2
Parking features: Driveway,Garage
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

Winter WeatherModerate
TsunamiInsufficient Data

How This Home’s Risks Compare

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

	Monthly	Annual
Mortgage	$5,010	$60,120
Home Insurance *	$456	$5,472
Property Taxes	$1,337	$16,044
Electricity	$246	$2,954
Total	$7,049	$84,588

*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$281,960/yr

35% on housing$241,680/yr

40% on housing$211,470/yr

45% on housing$187,973/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered

Wildfire

Hail

Wind

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 11780$405

Suffolk County$724

vs Homes Sold Last Month

Median $/sqft