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2850 & 2856 N Wading River Road, Wading River, NY, 11792

3beds
2baths
2,410sqft
$1,425,000
$591price/sqft
$10,029/moest. monthly cost
$401,160/yrincome needed

About This Home

Charming 1879 Farmhouse with Waterfront Opportunity Set across 2 acres in Wading River, this beautifully preserved 1879 farmhouse offers a rare pairing of historic character and coastal lifestyle. The residence sits on .95 acres, complemented by a separate 1-acre Soundfront parcel with beach access and breathtaking views, completing this exceptional offering. Timeless details define the home, including a warm and inviting living room with wood-burning fireplace and custom built-ins. A thoughtfully designed 2012 addition introduces an open-concept kitchen, dining area, and sunlit den, creating a natural gathering space for both everyday living and entertaining. Wrapped in windows, the enclosed sunroom is a serene, light-filled retreat that invites quiet mornings, afternoon reading, or simply taking in the beauty of the surrounding property throughout the seasons, sure to become a favorite. The home offers 3 bedrooms and abundant natural light throughout. A detached 2-car garage is complemented by a versatile studio above, where a large picture window captures views of the Sound, ideal for an artist’s retreat or home office. A rare blend of historic charm, modern comfort, and coastal lifestyle.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

2/10
Riley Avenue SchoolGrades K-44.9 mi
3/10
Riverhead Middle SchoolGrades 6-88.4 mi
3/10

Construction

Condition

  • Year built: 1879

Materials

  • Construction materials: Shingle Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Gas Range,Microwave,Refrigerator,Washer
  • Laundry features: Washer/Dryer Hookup,Gas Dryer Hookup,In Kitchen,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Bilco Door(s),See Remarks

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Granite Counters,Open Floorplan,Open Kitchen,Original Details,Recessed Lighting,Smart Thermostat,Storage
  • Window features: Screens,Skylight(s)
  • Flooring: Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Attic: None

Heating & Cooling

  • Heating features: Hot Water,Oil
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,410
  • Total interior livable area: 2,410 sqft

Property

Details

  • Parcel number: 60027121.3 & 60027121.4
  • Special condition: None

Features

  • Patio & porch: Covered,Deck,Porch
  • Fencing: Partial
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Beach Access,Beach Front,Bulkhead,Sound,Waterfront
  • Frontage length: 104

Lot

  • Lot size: 1.95 Acres
  • Features: Level,Sprinklers In Front,Sprinklers In Rear,Views

Parking

  • Total spaces: 2
  • Parking features: Detached,Driveway,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Winter Weather
Cold Wave
Hurricane
Inland Flooding
Lightning
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 $7,205$86,460
Home Insurance *$503$6,036
Property Taxes $1,923$23,076
Electricity $398$4,779
Total$10,029$120,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$343,851/yr
40% on housing$300,870/yr
45% on housing$267,440/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

$591This listing

vs Other Active Listings

Avg $/sqft

ZIP 11792$326
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11792$355
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
2026-04-30Listed for sale$1,699,000

For Sale by Agent

AgentDenice L. Lara SFR CBR
BrokerageDaniel Gale Sothebys Intl Rlty

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