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74 Tree Road, Centereach, NY, 11720

4beds
3baths
1,836sqft
$624,000
$340price/sqft
$4,533/moest. monthly cost
$181,320/yrincome needed

About This Home

Just Listed! Discover this cozy 4-bedroom, 3-bath home located in a highly desirable friendly neighborhood within the acclaimed Middle Country School District. Offering plenty of living space this inviting home features a large living room, an additional den, an eat-in kitchen and a formal dining room with sliding glass doors leading to a large deck. The spacious primary suite includes a private en-suite bath featuring a combination of laminate and hardwood flooring throughout. Additional features include natural gas heating and an unfinished basement offering offering additional storage space. Step outside to enjoy the fully fenced backyard with a 6-foot PVC fence, front and rear in-ground sprinkler systems and a large deck that's perfect for entertaining or relaxing. An above-ground pool is also included as a gift. This is a must-see home offering comfort, space and a fantastic location! Don't miss this wonderful opportunity to own a home in one of the area's most sought-after communities. Schedule your private showing!

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

5/10
Dawnwood Middle SchoolGrades 6-80.4 mi
7/10
Centereach High SchoolGrades 8-120.5 mi

Construction

Condition

  • Year built: 1955

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Refrigerator
  • Laundry features: Washer/Dryer Hookup,In Basement,Washer Hookup

Basement

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Storage Space,Unfinished

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bathroom3

  • Level: First

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedroom4

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Den

  • Level: First

Dining Room

  • Level: First

Features

  • First Floor Bedroom,First Floor Full Bath,Breakfast Bar,Eat-in Kitchen,Formal Dining,Granite Counters,High Ceilings,Open Floorplan,Primary Bathroom,Storage
  • Flooring: Ceramic Tile,Hardwood,Laminate,Tile
  • Attic: Partial

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,836
  • Total interior livable area: 1,836 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 0200469000100003000
  • Special condition: None
  • Exclusions: Washer

Features

  • Fencing: Back Yard,Fenced,Full,Vinyl

Lot

  • Lot size: 9,583 sqft
  • Features: Back Yard,Near Public Transit,Near School,Near Shops,Sprinklers In Front,Sprinklers In Rear

Parking

  • Total spaces: 5
  • Parking features: Driveway,On Street
  • 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

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Inland Flooding
Ice Storm
Strong Wind
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 $3,155$37,860
Home Insurance *$233$2,796
Property Taxes $842$10,104
Electricity $303$3,640
Total$4,533$54,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,417/yr
40% on housing$135,990/yr
45% on housing$120,880/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

$340This listing

vs Other Active Listings

Avg $/sqft

ZIP 11720$354
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
2026-07-24Listed for sale$624,000
2020-05-05Sold$361,000
2009-08-26Sold$315,000

For Sale by Agent

AgentRosemarie Fazio
BrokerageBH&G R E Realty Connect

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