435 Old Saddle Lane, Cutchogue, NY, 11935
About This Home
Fully Furnished and Fun!! Beautifully maintained home in Oregon View Estates, set on nearly an acre, offers the perfect blend of comfort and lifestyle. Featuring 3 bedrooms and 2 full baths, the layout is both functional and inviting. The main level includes two guest rooms which share a full bath. Upstairs, offers a private primary suite with a walk-in closet and your own balcony overlooking the backyard. At the heart of the home is a recently renovated kitchen with a large center island. Lending itself perfectly for indoor or outdoor entertaining with a sliding door to the back deck. The backyard is large and private with an inground pool with a new heater. Built in 1983 and thoughtfully updated, this is the perfect place to spend summers or to live in year-round. Great value, nice location and ready to be enjoyed immediately.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1983
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Range,Refrigerator,Stainless Steel Appliance(s),Washer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Storage Space
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- First Floor Bedroom,First Floor Full Bath,Breakfast Bar,Open Floorplan,Open Kitchen
- Number of fireplaces: 1
- Fireplace: Yes
- Attic: Unfinished
Heating & Cooling
- Heating features: Oil
- Cooling features: Central Air
Interior Area
- Total structure area: 1,200
- Total interior livable area: 1,200 sqft
Property
Details
- Parcel number: 1000095000400018033
- Special condition: None
Features
- Levels: Three Or More
- Private pool: Yes
- Pool features: In Ground
- Patio & porch: Deck
Lot
- Lot size: 0.94 Acres
Parking
- Total spaces: 2
- Parking features: Attached
- 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
- Hurricane
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Suffolk County and New York
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 | $5,536 | $66,432 |
| Home Insurance * | $527 | $6,324 |
| Property Taxes | $1,478 | $17,736 |
| Electricity | $246 | $2,954 |
| Total | $7,787 | $93,444 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-04 | Listed for sale | $1,175,000 |
| 2025-07-26 | Listing removed | $1,195,000 |
| 2025-06-15 | Price change | $1,195,000 |
| 2025-05-29 | Price change | $1,245,000 |
| 2025-03-24 | Listed for sale | $1,295,000 |
| 2022-06-09 | Sold | $900,000 |
| 2022-03-03 | Sold | $900,000 |
| 2022-02-09 | Contingent | $839,000 |
| 2021-12-13 | Pending sale | $839,000 |
| 2021-11-30 | Listed for sale | $839,000 |
| 1993-08-31 | Sold | $160,000 |
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