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264 Atlantic Street, Central Islip, NY, 11722

5beds
3baths
2,272sqft
$649,099
$286price/sqft
$4,765/moest. monthly cost
$190,600/yrincome needed

About This Home

Thank for your interest in the property. Please read notes at bottom. Welcome to this charming 5 bedroom, 2.5 bathroom Hi Ranch. Ashtraid Raised Ceilings. Hardwood Floors.

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

5/10
2/10
Ralph Reed SchoolGrades 7-81.9 mi

Construction

Condition

  • Year built: 1965

Materials

  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Refrigerator

Bedroom5

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • First Floor Bedroom,First Floor Full Bath,Eat-in Kitchen
  • Attic: Partial

Heating & Cooling

  • Heating features: Oil
  • Cooling features: None

Interior Area

  • Total structure area: 2,496
  • Total interior livable area: 2,272 sqft

Property

Details

  • Parcel number: 0500189000100039000
  • Special condition: None

Lot

  • Lot size: 1.03 Acres

Parking

  • Parking features: Driveway
  • 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

  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

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 $3,282$39,384
Home Insurance *$232$2,784
Property Taxes $876$10,512
Electricity $375$4,505
Total$4,765$57,180
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,371/yr
40% on housing$142,950/yr
45% on housing$127,066/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

$286This listing

vs Other Active Listings

Avg $/sqft

ZIP 11722$352
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)

Price History

DateEventPrice
2026-06-14Listed for sale$649,099
2025-12-16Listing removed$625,000
2025-11-26Listed for sale$625,000
2025-10-25Listing removed$625,000
2025-09-06Listed for sale$625,000
2025-01-08Sold$523,000
2019-04-10Sold$432,600
2018-11-14Price change$419,999
2018-08-06Price change$439,000
2018-06-26Price change$449,000
2017-09-17Listed for sale$405,000
2001-05-22Sold$196,000

For Sale by Agent

AgentNora A. Garcia CIPS
BrokerageHomeSmart Premier Living Rlty

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