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14 W Spruce St, Islip, NY, 11751

4beds
3baths
1,908sqft
$799,000
$419price/sqft
$5,711/moest. monthly cost
$228,440/yrincome needed

About This Home

Welcome to 14 West Spruce Streeet in Islip Township...Your destination for entertaining and relaxing ! This expanded cape is calling all outdoor lovers as well as those desiring a meticulously kept updated home - that is move in ready ! The home is set on a manicured Corner property expanding over 9300 square feet! The property offers a Park like Oasis complete with outdoor cooking area, an outdoor " beach and firepit " area, included luxury outdoor sofa seating with a TV and a Hot Tub covered with a Pergola. A true backyard vacation and all of these items will be left with the house. Inside the home is just as beautiful with an amazing use of every space. The 1,908 square foot home plus a full 1,196 square foot finished basement offers upgrades and meticulous craftmanship that customizes and enhances every room. The kitchen boast a Gas Range, all stainless appliances and a wine fridge tucked under a Granite Island with seating for 4-5. The kitchen space opens to a Living area with new wood flooring and light filled windows. In addition , the first floor offers 2 bedrooms and a full bath. The stairs lead to another Great Room with a gas fireplace and built in cabinetry and counter space. There are two bedrooms and a updated full bathroom on the second floor making this a great area for guest or family members offering privacy and comfort. The gas heating and tankless HWH are new, installed with in 5 years. There is MORE ! The basement is finished and includes another living space, a laundry room and ample closets and storage area. There is also a seperate entrance to the back yard patio. The attached garage has a double driveway that can accommodate 4 cars easily. Additional storage is above the garage . Come and see this Beautiful Cape and Backyard Oasis ready for Entertaining and Relazing for you next staycation ! PS: THIS HOME INCLUDES THE BACK YARD FURNITURE, HOT TUB, OUTDOOR SOFA AND ANY FURNTURE PIECES . TRULY A MOVE IN READY HOME !!!

Getting Around

73
WalkingVery Walkable
0
TransitVery Limited Transit
58
BikeBikeable

Schools

--
Wing Elementary SchoolGrades K-10.2 mi
5/10
Islip Middle SchoolGrades 6-81.0 mi
7/10
Islip High SchoolGrades 9-120.9 mi

Construction

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Tile,Carpet,Hardwood
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 1,908 sqft

Property

Details

  • Parcel number: 0500320000100044000

Features

  • Has spa: Yes

Lot

  • Lot size: 9,375 sqft

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached,Off-street

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
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Inland Flooding
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 $4,040$48,480
Home Insurance *$278$3,336
Property Taxes $1,078$12,936
Electricity $315$3,783
Total$5,711$68,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$195,805/yr
40% on housing$171,330/yr
45% on housing$152,293/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

$419This listing

vs Other Active Listings

Avg $/sqft

ZIP 11751$287
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11751$389
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
2026-05-02Listed for sale$799,000

For Sale by Owner

AgentProperty Owner

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