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3 Jefferson Ave, Hampton Bays, NY, 11946

2beds
2baths
1,344sqft
$899,000
$669price/sqft
$5,418/moest. monthly cost
$216,720/yrincome needed

About This Home

Discover the charm of this unique upside-down beach home nestled in the desirable Rampasture area. Set on a generous .45-acre lot, with room for a pool, this residence offers a perfect blend of light-filled interiors and inviting outdoor spaces. The second floor serves as the heart of the home, boasting an open-concept living area bathed in natural light, complete with a wrap-around deck that invites you to enjoy the serene surroundings. The modern kitchen features an island that seamlessly connects to the living and dining room, where a cozy fireplace adds warmth and ambiance. A full bathroom on this level provides convenience and functionality. On the first floor, you'll find two comfortable bedrooms, an additional full bathroom, and a versatile living room/den area. The enchanting four-season sunroom offers a tranquil space to relax year-round. Step outside to a spacious backyard, perfect for entertaining or simply soaking in the natural beauty. An outdoor shower adds a touch of beachside convenience. This home is ideally located within walking distance to a private deeded bay beach, offering endless opportunities for scenic walks and water activities. Plus, you're just 10 minutes from the renowned Dune Road and the Town of Southampton ocean beaches, making every day feel like a vacation.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
7/10
Hampton Bays Secondary SchoolGrades PK,9-121.4 mi
4/10

Construction

Condition

  • Year built: 1973

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Yes

Bedrooms & Bathrooms

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

Features

  • Fireplace: Yes

Interior Area

  • Total structure area: 1,344
  • Total interior livable area: 1,344 sqft

Property

Details

  • Parcel number: 0900293000100007000

Features

  • Stories: 2
  • Pool features: Room for a Pool

Lot

  • Lot size: 0.45 Acres

Parking

  • Parking features: None

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 FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Inland 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 $4,545$54,540
Home Insurance *$421$5,052
Property Taxes $206$2,472
Electricity $246$2,954
Total$5,418$65,016
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$185,760/yr
40% on housing$162,540/yr
45% on housing$144,480/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

$669This listing

vs Other Active Listings

Avg $/sqft

ZIP 11946$644
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11946$596
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
2026-03-29Price change$999,000
2025-11-20Price change$999,999
2025-11-06Listed for sale$1,090,000
2013-03-05Listing removed$349,000
2013-02-09Listed for sale$349,000

For Sale by Agent

AgentAshley DeCabia - Real Estate Sales Person
BrokerageCompass

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