122 4th Street, Saint James, NY, 11780
About This Home
Why settle for someone else’s dream when you can build your own? Welcome to this brand-new TO BE BUILT colonial-style home designed with today’s lifestyle in mind. Set on a deep 15,840 sqft lot, this to-be-built beauty will offer over 2,400 square feet of fresh, functional living space and the kind of craftsmanship and energy efficiency only new construction can deliver. Inside, you’ll find four bedrooms, including a spacious primary suite with a walk-in closet and private bath, plus two additional full bathrooms—plenty of space for guests, or a growing household. The open-concept kitchen will shine with granite countertops, stainless steel appliances, and flows right into the formal dining room for easy entertaining. This home will be built with Energy Star-rated systems, a separate hot-water storage tank, and high-quality materials throughout. You’ll also get a full basement with customization potential and a scenic south-facing backyard that’s perfect for relaxing or creating your own outdoor retreat. Located in the Smithtown School District and close to parks, shopping, and transportation—it checks every box for modern living. Now’s the time to secure your future in a brand-new, energy-efficient home in a prime Long Island location. Ask about our Builder Incentives
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: New Construction
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Concrete Perimeter
- Construction materials: Batts Insulation,Energy Star,Fiberglass Insulation,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Gas Range,Refrigerator,Tankless Water Heater
- Laundry features: Washer/Dryer Hookup,Gas Dryer Hookup,Laundry Room,Washer Hookup
Basement
- Has basement: Yes
- Basement: Full,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- First Floor Full Bath,Crown Molding,Eat-in Kitchen,Entrance Foyer,Formal Dining,Granite Counters,His and Hers Closets,In-Law Floorplan,Kitchen Island,Open Floorplan,Open Kitchen,Primary Bathroom,Recessed Lighting
- Window features: Double Pane Windows,ENERGY STAR Qualified Windows
- Flooring: Carpet,Hardwood,Tile
- Attic: Full
Heating & Cooling
- Heating features: ENERGY STAR Qualified Equipment,Hydro Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,802
- Total interior livable area: 2,416 sqft
Property
Details
- Special condition: None
Features
- Levels: Two
- Patio & porch: Porch
- Exterior features: Lighting,Rain Gutters
- Has view: Yes
- View description: Neighborhood
Lot
- Lot size: 0.36 Acres
- Features: Back Yard,Front Yard,Level,Sprinklers In Front
- Lot size dimensions: 60W x 264D
Parking
- Total spaces: 2
- Parking features: Driveway
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- 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 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 | $5,557 | $66,684 |
| Home Insurance * | $506 | $6,072 |
| Property Taxes | $1,483 | $17,796 |
| Electricity | $399 | $4,791 |
| Total | $7,945 | $95,340 |
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 |
|---|---|---|
| 2025-11-18 | Price change | $1,099,000 |
| 2024-08-09 | Price change | $899,000 |
| 2024-04-27 | Listed for sale | $975,000 |
View on Zillow