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44 Elder Avenue, Farmingville, NY, 11738

4beds
4baths
4,240sqft
$1,195,000
$282price/sqft
$8,816/moest. monthly cost
$352,640/yrincome needed

About This Home

Newly constructed Hampton-style home located on a quiet dead-end cul-de-sac. This 4-bedroom, 4-bath residence features a functional open layout with high ceilings, oversized windows, and strong natural light throughout. The main level is centered around a modern eat-in kitchen with a huge island, soft-close cabinetry and drawers, and quality finishes designed for everyday living and entertaining. Additional features include 4-inch oak flooring, crown molding, LED lighting, spray foam insulation, a 200-amp electrical panel, and a full IA Septic System. The home also offers a first-floor bedroom and full bath, two laundry rooms, and a spacious walk-out basement with full-size windows, two sliding glass doors providing excellent natural light and flexibility for additional living space. Outdoor features include Trex decking, a private rooftop deck off the primary suite, paver walkways and front porch, and a Belgian block-lined driveway and street frontage.

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

4/10
Lynwood Avenue SchoolGrades K-50.4 mi
6/10
Sagamore Middle SchoolGrades 6-81.2 mi
7/10
Sachem High School EastGrades 9-121.4 mi

Construction

Condition

  • Year built: 1984

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator
  • Laundry features: Washer/Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • First Floor Bedroom,Crown Molding,Double Vanity,Eat-in Kitchen,Entrance Foyer,Formal Dining,Master Downstairs,Quartz/Quartzite Counters,Soaking Tub
  • Door features: ENERGY STAR Qualified Doors
  • Attic: Partial

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,240
  • Total interior livable area: 4,240 sqft

Property

Details

  • Parcel number: 0200627000100013000
  • Special condition: None

Lot

  • Lot size: 0.57 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener,Private
  • 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

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

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Ice Storm
Lightning
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 $6,042$72,504
Home Insurance *$461$5,532
Property Taxes $1,613$19,356
Electricity $700$8,408
Total$8,816$105,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$302,262/yr
40% on housing$264,480/yr
45% on housing$235,093/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

$282This listing

vs Other Active Listings

Avg $/sqft

ZIP 11738$334
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11738$354
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
2026-05-14Price change$1,200,000
2026-01-02Price change$1,199,000
2025-12-16Price change$1,128,000
2025-11-23Price change$1,130,000
2025-03-10Price change$1,198,000
2024-07-25Listed for sale$269,000
2023-05-02Sold$133,000
2012-07-24Sold$469,500
2012-03-13Price change$494,900
2012-03-02Listed for sale$514,900

For Sale by Agent

AgentVantage Realty Partners, Justin C. LaSalla SFR, Barbara Bellas, Vantage Realty Partners
BrokerageVantage Realty Partners

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