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2 E Elm Street, Central Islip, NY, 11722

5beds
3baths
1,352sqft
$625,000
$462price/sqft
$4,472/moest. monthly cost
$178,880/yrincome needed

About This Home

Beautiful Colonial featuring spacious living areas, abundant natural light, and a functional layout. Generously sized bedrooms, a private backyard, and conveniently located near the LIRR train station, shopping, restaurants, parks, schools, and major roadways. Don’t miss this wonderful opportunity!

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

5/10
2/10
Ralph Reed SchoolGrades 7-81.1 mi

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator

Basement

  • Level: First

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • First Floor Bedroom
  • Attic: None

Heating & Cooling

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

Interior Area

  • Total structure area: 1,592
  • Total interior livable area: 1,352 sqft

Other

  • Level: Second

Property

Details

  • Parcel number: 0500142000200045001
  • Special condition: None

Lot

  • Lot size: 10,019 sqft
  • Lot size dimensions: 100 x 100

Parking

  • Total spaces: 1.5
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 1.5
  • Covered spaces: 1.5
  • 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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
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 $3,160$37,920
Home Insurance *$223$2,676
Property Taxes $843$10,116
Electricity $246$2,954
Total$4,472$53,664
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,325/yr
40% on housing$134,160/yr
45% on housing$119,253/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

$462This listing

vs Other Active Listings

Avg $/sqft

ZIP 11722$348
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11722$417
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
2026-08-11Pending sale$625,000
2026-07-09Listed for sale$625,000
2006-12-05Sold$312,700

For Sale by Agent

AgentDaniel H. Bravo CBR
BrokerageDANBRA Realty Corp

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