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32 Neptune Road, Rocky Point, NY, 11778

3beds
1baths
1,250sqft
$599,000
$479price/sqft
$4,342/moest. monthly cost
$173,680/yrincome needed

About This Home

Location, Location, Location! This charming cape style home with too many updates to list, is one street away from the Long Island Sound with partial water views from the front deck! The beautifully manicured yard includes an original handmade 1850's brick walkway, 3 new entertainment decks, a long driveway for ample parking, new roof on the garage, and a new above ground oil tank. New gutters recently installed. Motion and security lights installed around the property. The interior boasts new stainless-steel appliances, ceiling fans, quartz countertops, new windows and new laminate floor on the main floor. No flood insurance is needed. Very low taxes! Come enjoy the proximity to the North Fork of Long Island with wineries and farm stands. This home is minutes away from the Ferry at Port Jefferson Village with access to Connecticut/ New England.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

2/10
8/10
Rocky Point High SchoolGrades 9-122.0 mi

Construction

Condition

  • Property condition: Actual
  • Year built: 1949

Materials

  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater

Basement

  • Level: Lower

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom1

  • Level: First

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Formal Dining,First Floor Bedroom
  • Attic: None

Heating & Cooling

  • Heating features: Oil,Forced Air
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,250
  • Total interior livable area: 1,250 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Other

  • Level: First

Property

Details

  • Parcel number: 0200035000300032000
  • Special condition: None

Features

  • Levels: Two
  • Patio & porch: Deck

Lot

  • Lot size: 6,098 sqft
  • Lot size dimensions: .14

Parking

  • Total spaces: 1
  • Parking features: Detached,Driveway,Private
  • 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
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $3,028$36,336
Home Insurance *$260$3,120
Property Taxes $808$9,696
Electricity $246$2,954
Total$4,342$52,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,868/yr
40% on housing$130,260/yr
45% on housing$115,786/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

$479This listing

vs Other Active Listings

Avg $/sqft

ZIP 11778$302
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11778$372
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
2024-07-22Listed for sale$599,000
2023-07-01Listing removed--
2023-06-01Listed for sale$599,000
2022-12-10Listing removed--
2022-09-09Listed for sale$599,000
2016-10-14Sold$250,000
2016-08-05Sold$250,000
2016-04-27Listing removed$259,500
2016-03-16Listed for sale$259,500
2015-11-24Listing removed$275,000
2015-08-20Price change$275,000
2015-07-03Listed for sale$289,000

For Sale by Agent

AgentJohn Ciervo
BrokerageAliano Real Estate

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