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87 Northgate Circle, Melville, NY, 11747

3beds
3baths
1,900sqft
$835,000
$439price/sqft
$5,930/moest. monthly cost
$237,200/yrincome needed

About This Home

Beautiful, light-filled townhouse ideally located on the lake in the desirable Northgate at Melville. This spacious home features 3 bedrooms, including a primary suite with ensuite bath, plus two additional bedrooms and a full bathroom. Enjoy abundant natural light through newer windows and three glass sliding doors, along with skylights that enhance the open, airy feel. Recent updates include a new heating system and new stainless steel appliances. All closets are custom-fitted for maximum storage, and pull-down stairs provide convenient access to attic space. Residents enjoy exceptional community amenities, including a beautifully renovated clubhouse with gym, kitchen, and pool table. Outdoor amenities feature pickleball and tennis courts, as well as a heated in-ground pool. The community also offers 24-hour security.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

7/10
6/10

Construction

Condition

  • Year built: 1986

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater,Freezer,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer

Bedrooms & Bathrooms

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

Features

  • Cathedral Ceiling(s),Crown Molding,Eat-in Kitchen,Entrance Foyer,Formal Dining,Primary Bathroom
  • Attic: Partial,Pull Stairs
  • Common walls with other units/homes: 2+ Common Walls

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,900
  • Total interior livable area: 1,900 sqft

Property

Details

  • Parcel number: 0400254010100087000
  • Attached to another structure: Yes
  • Special condition: None

Lot

  • Lot size: 2,178 sqft

Parking

  • Total spaces: 1
  • Parking features: Driveway,Garage
  • 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

  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • 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

Earthquake
Hurricane
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 $4,222$50,664
Home Insurance *$268$3,216
Property Taxes $1,127$13,524
Electricity $313$3,767
Total$5,930$71,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$203,314/yr
40% on housing$177,900/yr
45% on housing$158,133/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

$439This listing

vs Other Active Listings

Avg $/sqft

ZIP 11747$436
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11747$435
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
2026-03-12Listed for sale$849,000
2014-08-06Listing removed$3,300
2014-07-15Listed for rent$3,300
2013-05-25Listing removed$3,200
2013-05-07Listed for rent$3,200

For Sale by Agent

AgentSheila R. Gatto
BrokerageRealty Connect USA LLC

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