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870 Crittens Lane, Southold, NY, 11971

3beds
2baths
1,588sqft
$849,999
$535price/sqft
$6,158/moest. monthly cost
$246,320/yrincome needed

About This Home

Nestled in the Southwood Community on a beautifully landscaped 0.51-acre lot in Southold, this spacious ranch offers the perfect blend of comfort, charm, and North Fork living. Gleaming hardwood floors flow throughout the home, which features three generously sized bedrooms and two full bathrooms. The expansive formal living room is highlighted by a cozy wood-burning fireplace, while the large eat-in kitchen and versatile dining/flex room provide ample space for everyday living and entertaining. A heated 200-square-foot sunroom provides the perfect setting to enjoy your morning coffee or unwind with an evening cocktail. Additional features include an attached two-car garage, abundant off-street parking, and ample rear parking ideal for storing a boat, RV, trailer, or additional vehicles. The home also offers 150-amp electric service, a newer boiler and hot water heater, and was recently connected to municipal water. A massive unfinished basement complete with a cedar closet provides exceptional storage and endless possibilities for future expansion. Located just moments from sought-after beaches including Town Beach and Goose Creek Beach, and surrounded by renowned farms, vineyards, and the historic towns of Mattituck, Jamesport, and Greenport, this turnkey property presents an exceptional opportunity for those seeking a year-round residence, weekend getaway, or investment property in the heart of the North Fork.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10

Construction

Condition

  • Year built: 1954

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Oven,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Bilco Door(s),Full,Unfinished

Bedrooms & Bathrooms

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

Features

  • First Floor Bedroom,First Floor Full Bath
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Attic: Pull Stairs,Scuttle

Heating & Cooling

  • Heating features: Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,453
  • Total interior livable area: 1,588 sqft

Property

Details

  • Parcel number: 1000070001200011000
  • Special condition: None

Lot

  • Lot size: 0.51 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Off Street,Private
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
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 $4,298$51,576
Home Insurance *$451$5,412
Property Taxes $1,147$13,764
Electricity $262$3,149
Total$6,158$73,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$211,131/yr
40% on housing$184,740/yr
45% on housing$164,213/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

$535This listing

vs Other Active Listings

Avg $/sqft

ZIP 11971$824
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11971$542
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
2026-07-30Price change$849,999
2026-06-25Listed for sale$879,999

For Sale by Agent

AgentStephen Zappalla
BrokerageKeller Williams Realty Elite

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