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90 Caiola Ct, Greenport, NY, 11944

4beds
3baths
3,392sqft
$1,785,000
$526price/sqft
$13,007/moest. monthly cost
$520,280/yrincome needed

About This Home

Located in coveted Rock Cove Estates in Greenport, this beautifully maintained cedar shake and stone residence offers the perfect blend of privacy, comfort, and North Fork lifestyle. Built in 2007 and lovingly cared for by its original owner, the home features four bedrooms and three full baths, including a spacious primary suite with well-appointed bath with double sinks, Jacuzzi tub and separate shower. The primary bedroom also includes large closet and area for home office. The main level offers warm and inviting living spaces, including a living room with wood-burning fireplace, a library, an updated kitchen with induction stove, new backsplash, newer dishwasher and wood floors throughout. Thoughtful upgrades include natural gas conversion, two-zone systems, Nest thermostats, 200-amp electric, security system, mature landscaping and irrigation system throughout property. Set on a fully fenced property with room for a pool, the home also includes a two-car garage with epoxy floor and an outside entrance to the basement, offering excellent functionality and storage. Residents of Rock Cove Estates enjoy deeded private beach rights with key access! A rare opportunity to enjoy a beautifully maintained Greenport home in one of the area's most desirable communities.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

3/10
5/10
Greenport High SchoolGrades 7-121.0 mi

Construction

Condition

  • Year built: 2007

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Yes

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Central Air

Features

  • Fireplace: Yes

Interior Area

  • Total structure area: 3,392
  • Total interior livable area: 3,392 sqft

Property

Details

  • Parcel number: 1000033000300019014

Features

  • Stories: 2
  • Pool features: Room for a Pool

Lot

  • Lot size: 0.62 Acres

Parking

  • Parking features: GarageAttached
  • Has garage: 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
  • Hurricane
    HurricaneModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
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 $9,025$108,300
Home Insurance *$1,013$12,156
Property Taxes $2,409$28,908
Electricity $560$6,726
Total$13,007$156,084
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$445,954/yr
40% on housing$390,210/yr
45% on housing$346,853/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

$526This listing

vs Other Active Listings

Avg $/sqft

ZIP 11944$752
Suffolk County$724

vs Homes Sold Last Month

Median $/sqft

ZIP 11944$636
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
2026-04-30Listed for sale$1,785,000
2008-05-14Sold$846,000
2002-09-26Sold$140,000

For Sale by Agent

AgentKristy B. Naddell - Associate Real Estate Broker
BrokerageDouglas Elliman Real Estate

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