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20 Hancock Court, South Setauket, NY, 11720

4beds
3baths
3,200sqft
$1,288,000
$403price/sqft
$9,260/moest. monthly cost
$370,400/yrincome needed

About This Home

Welcome to this beautifully maintained 4-bedroom, 2.5-bath home located on a quiet horseshoe street in the desirable Pondfield Crossing neighborhood. Designed for comfortable living and effortless entertaining, the spacious main living area features hardwood floors and a cozy gas fireplace, complemented by additional family room space and a dining room conveniently located just off the kitchen. The updated kitchen (2023) boasts quartz countertops and stainless steel appliances, while the primary bath was renovated in 2024 and features radiant heated flooring. The walk-out lower level offers exceptional versatility with separate living quarters, an additional full bath, a movie theater, wine room, and ample storage with custom barn door. Step outside to your own private retreat featuring a Trex deck with outdoor kitchen, perfect for entertaining, a stunning pool with waterfall, half-court basketball court, and a storage shed. This exceptional home offers the perfect blend of luxury, comfort, and recreation in one of the area's most sought-after neighborhoods.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2001

Materials

  • Construction materials: Frame,Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Range,Refrigerator,Washer,Wine Refrigerator
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Cathedral Ceiling(s),Ceiling Fan(s),Chandelier,Crown Molding,Eat-in Kitchen,Entrance Foyer,Formal Dining,High Ceilings,Kitchen Island,Quartz/Quartzite Counters,Recessed Lighting
  • Flooring: Carpet,Ceramic Tile,Hardwood,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Attic: Unfinished

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,200
  • Total interior livable area: 3,200 sqft

Property

Details

  • Parcel number: 0200364000700018000
  • Special condition: None

Features

  • Private pool: Yes
  • Pool features: In Ground
  • Exterior features: Basketball Court,Gas Grill,Lighting
  • Fencing: Back Yard

Lot

  • Lot size: 0.42 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • 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

  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $6,512$78,144
Home Insurance *$482$5,784
Property Taxes $1,738$20,856
Electricity $528$6,345
Total$9,260$111,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$317,485/yr
40% on housing$277,800/yr
45% on housing$246,933/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

$403This listing

vs Other Active Listings

Avg $/sqft

ZIP 11720$352
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11720$374
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
2026-07-16Listed for sale$1,288,000
2003-10-06Sold$630,000
2001-04-12Sold$294,000

For Sale by Agent

AgentDebra Sudaley
BrokerageThe Agency Northshore NY

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