See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

5045 Main Bayview Rd, Southold, NY, 11971

4beds
3baths
0sqft
$1,049,000
--price/sqft
$7,522/moest. monthly cost
$300,880/yrincome needed

About This Home

This gem boasts 4 spacious bedrooms, 2 full bathrooms, along with an additional half bath for your convenience.Step inside to be greeted by a formal dining room, perfect for hosting memorable gatherings. The primary bathroom offers a private sanctuary, while the walk-through kitchen is equipped with stainless steel appliances including a dishwasher, oven, range, and refrigerator, ready to inspire your culinary creativity.Experience the warmth of this gem with cozy carpeting, elegant hardwood, and a welcoming fireplace, not to mention the indoor hot tub. The property also features a partial basement, providing extra space for your needs. As part of the Goose Neck Homeowners Association, enjoy access to a deeded private beach, boat dock, and 5 water access points around the penninsula, adding to the exceptional lifestyle this home offers.This delightful gem is located in a vibrant community, teeming with local amenities to explore and enjoy. From the bustling local markets to the serene parks, there's something for everyone.This is not just a house, it is a sanctuary, which you can call home. So stop, take a look, and imagine the possibilities... Your next chapter starts here!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

6/10

Construction

Condition

  • Year built: 1984

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Yes

Bedrooms & Bathrooms

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

Features

  • Fireplace: Yes

Interior Area

  • Total structure area: 0

Property

Details

  • Parcel number: 1000076000200021000

Features

  • Stories: 2
  • Private pool: Yes
  • Has spa: Yes
  • Spa features: Heated
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 0.34 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
  • 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 $5,304$63,648
Home Insurance *$556$6,672
Property Taxes $1,416$16,992
Electricity $246$2,954
Total$7,522$90,264
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$257,897/yr
40% on housing$225,660/yr
45% on housing$200,586/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 11971$817
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
2026-05-07Listed for sale$1,175,000

For Sale by Agent

AgentPeter D. Halpin - Real Estate Sales Person
BrokerageDouglas Elliman Real Estate

Similar Homes