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53 S Phillips Ave, Speonk, NY, 11972

4beds
3baths
3,408sqft
$2,595,000
$761price/sqft
$18,093/moest. monthly cost
$723,720/yrincome needed

About This Home

Exceptional Pre-Construction Opportunity in a Premier Coastal Community! Introducing a beautifully designed new construction residence currently underway in sought-after Remsenburg. Thoughtfully planned with comfort, flexibility, and effortless indoor-outdoor living in mind, this 3408 sq. ft 4 Bedroom, 3 Bath home offers a refined yet relaxed lifestyle just moments from the water. The main level features a welcoming living room with fireplace, a formal dining area, and a spacious kitchen complemented by a walk-in pantry. A separate den provides additional versatility for work, leisure, or entertaining. The primary suite is conveniently located on the first floor and includes a generous walk-in closet. A mudroom with laundry sink leads directly to the oversized garage for practical everyday access. Upstairs offers exceptional flexibility with an additional living area, second laundry space, three bedrooms, one full bath, a secondary kitchen, and a walk-in attic, ideal for guests, extended stays, or adaptable living arrangements. Outdoors, an oversized patio creates the perfect setting for entertaining, with ample property size offering room for a pool and custom landscaping. Located in the desirable Remsenburg coastal enclave near local beaches, marinas, and Westhampton amenities, this pre-construction opportunity allows for modern living in one of the area's most coveted settings.This listing may include images that have been digitally altered or virtually staged. Original, unedited images are available upon request.

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

7/10
East Moriches SchoolGrades 5-83.0 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Type & Style

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

Interior

Basement

  • Basement: No

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Cooling

  • Cooling features: Central Air

Features

  • Fireplace: Yes

Interior Area

  • Total structure area: 3,408
  • Total interior livable area: 3,408 sqft

Property

Details

  • Parcel number: 0900368000100055000

Features

  • Stories: 2

Lot

  • Lot size: 0.53 Acres

Parking

  • Parking features: GarageAttached
  • Has garage: 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

  • 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 $13,121$157,452
Home Insurance *$906$10,872
Property Taxes $3,503$42,036
Electricity $563$6,758
Total$18,093$217,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$620,331/yr
40% on housing$542,790/yr
45% on housing$482,480/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

$761This listing

vs Other Active Listings

Avg $/sqft

ZIP 11972$111
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11972$363
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
2026-03-16Listed for sale$2,595,000
2024-12-28Listing removed$824,999
2024-11-26Price change$824,999
2024-11-26Price change$824,900
2024-11-26Price change$824,999
2024-10-02Listed for sale$849,990

New Construction

AgentKimberly Cammarata - Real Estate Sales Person
BrokerageDouglas Elliman Real Estate

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