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178 Locust Drive, Mastic Beach, NY, 11951

2beds
1baths
580sqft
$299,990
$517price/sqft
$2,317/moest. monthly cost
$92,680/yrincome needed

About This Home

Calling All Investors! LOW Taxes , Central Air, Attached garage, New Walkway and driveway (1 year old) ..Current tenant would love to stay.. Home can be part of package deal with 5 other homes too!! Be the 1st!

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

6/10
3/10
William Floyd High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1937

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater,Refrigerator

Bathroom1

  • Level: First

Bedroom1

  • Level: First

Bedroom2

  • Level: First

Bedrooms & Bathrooms

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

Bonus Room

  • Level: First

Features

  • First Floor Bedroom,First Floor Full Bath
  • Attic: Unfinished

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 580
  • Total interior livable area: 580 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 0200979001300022000
  • Special condition: None

Lot

  • Lot size: 7,841 sqft

Parking

  • Total spaces: 1
  • Parking features: Driveway
  • 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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Inland Flooding
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 $1,516$18,192
Home Insurance *$151$1,812
Property Taxes $404$4,848
Electricity $246$2,954
Total$2,317$27,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,440/yr
40% on housing$69,510/yr
45% on housing$61,786/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

$517This listing

vs Other Active Listings

Avg $/sqft

ZIP 11951$304
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11951$364
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
2026-03-17Listed for sale$299,990
2019-10-31Sold$160,000
2008-01-14Sold$126,000
2007-11-16Listed for sale$126,000
2007-07-10Sold$148,053
2004-07-31Sold$174,000

For Sale by Agent

AgentAmy Schuler
BrokerageYour Team D&G Realty Ltd

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