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16 Thomas Street, Coram, NY, 11727

3beds
1baths
1,378sqft
$498,000
$361price/sqft
$3,631/moest. monthly cost
$145,240/yrincome needed

About This Home

Nestled on a generous 15,246 sq. ft. lot, this 4-bedroom, 1-bath ranch offers a great opportunity for buyers looking to make a home their own. The single-level layout provides comfortable living space with a functional floor plan and ample potential for customization.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

5/10
Coram Elementary SchoolGrades K-40.5 mi
7/10
6/10
Longwood High SchoolGrades 9-123.5 mi

Construction

Condition

  • Year built: 1970

Materials

  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Oven,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Formal Dining,Kitchen Island,Open Kitchen,Primary Bathroom,Master Downstairs
  • Flooring: Wood
  • Attic: None

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,378
  • Total interior livable area: 1,378 sqft

Property

Details

  • Parcel number: 0200398000400026000
  • Special condition: Real Estate Owned

Lot

  • Lot size: 0.35 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached,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

  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $2,518$30,216
Home Insurance *$195$2,340
Property Taxes $672$8,064
Electricity $246$2,954
Total$3,631$43,572
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,491/yr
40% on housing$108,930/yr
45% on housing$96,826/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

$361This listing

vs Other Active Listings

Avg $/sqft

ZIP 11727$270
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11727$322
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
2026-07-15Listed for sale$498,000
2007-08-02Sold$339,000
1998-12-08Sold$118,500
1997-03-31Sold$79,500
1996-08-08Sold$500

Unknown Listed By

AgentRoman Davydov
BrokerageExit Realty First Choice

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