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9 Middle Cross, Shoreham, NY, 11786

2beds
2baths
1,032sqft
$599,999
$581price/sqft
$4,371/moest. monthly cost
$174,840/yrincome needed

About This Home

Impeccably maintained and completely updated, this pristine ranch is the perfect blend of comfort, style, and easy living. From the moment you step inside, you will appreciate the gleaming hardwood floors, soaring vaulted ceilings, and sun drenched open living spaces that create a warm and inviting atmosphere. The beautifully updated kitchen features granite countertops, abundant cabinetry, and plenty of space for everyday living and entertaining. The stunning full bathroom has been tastefully renovated with custom tile work and a spacious walk in shower. The primary suite offers the convenience of a private half bath. Set on a beautifully landscaped and level .35 acre property, the backyard is your own private retreat complete with a paver patio, in ground sprinkler system, and a large storage shed. A clean, dry partial basement provides excellent storage space. Enjoy amazingly low taxes and the highly regarded Shoreham Wading River School District. Whether you are downsizing, purchasing your first home, or simply looking for a peaceful escape, this move in ready gem offers the perfect combination of privacy, comfort, and convenience. As an added bonus, residents have the opportunity to enjoy private beach access to Sills Beach for just $75 per year, making this exceptional property even more desirable.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

--
Miller Avenue SchoolGrades K-20.6 mi
7/10
10/10

Construction

Condition

  • Property condition: Actual
  • Year built: 1956

Materials

  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Stainless Steel Appliance(s),Washer
  • Laundry features: In Kitchen

Basement

  • Has basement: Yes
  • Basement: Bilco Door(s),Partial,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • First Floor Bedroom,First Floor Full Bath
  • Flooring: Hardwood
  • Attic: Partial

Heating & Cooling

  • Heating features: Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,032
  • Total interior livable area: 1,032 sqft

Property

Details

  • Parcel number: 0200057000200005000
  • Special condition: None

Features

  • Levels: One
  • Patio & porch: Patio

Lot

  • Lot size: 0.35 Acres

Parking

  • Parking features: Driveway
  • 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

  • Hurricane
    HurricaneModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
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 $3,033$36,396
Home Insurance *$283$3,396
Property Taxes $809$9,708
Electricity $246$2,954
Total$4,371$52,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,862/yr
40% on housing$131,130/yr
45% on housing$116,560/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

$581This listing

vs Other Active Listings

Avg $/sqft

ZIP 11786$366
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11786$378
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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Pending sale$599,999
2026-07-22Price change$599,999
2026-07-13Listed for sale$639,000
2021-11-01Sold$440,000
2021-01-15Listing removed--
2020-11-14Listed for sale$400,000
2019-09-09Sold$291,500
2019-04-03Listing removed$284,900
2019-03-19Listed for sale$284,900

For Sale by Agent

AgentDonna McKeown
BrokerageSignature Premier Properties

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