North Shore Homes - January 27, 2022 by TBR News Media

HOMES

1/27 - 2/9 • 2022

Serving Long Island's Prestigious North Shore

Port Jefferson | $565,000 | 3369846 See page 2 for details.

elliman.com

ALEXIA POULOS

CAROL ACKER

Licensed R.E. Salesperson

Licensed Associate R.E. Broker

300 Main Street, East Setauket O: 631.246.7877 | C: 631.457.3262 alexia.poulos@elliman.com

300 Main Street, East Setauket O: 631.751.6000 | C: 631.404.2460 carol.acker@elliman.com

110 WALT WHITMAN RD, HUNTINGTON STA, NY, 11746. 631.549.7401 © 20 DOUGLAS ELLIMAN REAL ESTATE. ALL MATERIAL PRESENTED HEREIN IS INTENDED FOR INFORMATION PURPOSES ONLY. WHILE, THIS INFORMATION IS BELIEVED TO BE CORRECT, IT IS REPRESENTED SUBJECT TO ERRORS, OMISSIONS, CHANGES OR WITHDRAWAL WITHOUT NOTICE. ALL PROPERTY INFORMATION, INCLUDING, BUT NOT LIMITED TO SQUARE FOOTAGE, ROOM COUNT, NUMBER OF BEDROOMS AND THE SCHOOL DISTRICT IN PROPERTY LISTINGS SHOULD BE VERIFIED BY YOUR OWN ATTORNEY, ARCHITECT OR ZONING EXPERT. EQUAL HOUSING OPPORTUNITY.

A Supplement to TIMES BEACON RECORD News Media (631) 751-7744 • (631) 331-1154 • tbrnewsmedia.com

©TBR NEWS MEDIA 2022

Page 2

(631) 751–7744

January 27 - February 9, 2022

Say You Saw It In NORTH SHORE HOMES

Port Jefferson | $565,000 | 3369846

Endless charm in this meticulously maintained 4 bedroom, 2 bath Cape located 2 blocks from the heart of the village.

elliman.com

ALEXIA POULOS

CAROL ACKER

Licensed R.E. Salesperson

Licensed Associate R.E. Broker

300 Main Street, East Setauket O: 631.246.7877 | C: 631.457.3262 alexia.poulos@elliman.com

300 Main Street, East Setauket O: 631.751.6000 | C: 631.404.2460 carol.acker@elliman.com

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Page 3

BELLE TERRE

40 Soundview Drive 4 BD | 2 BA | 1 HB | $950,000

Price improved. Stunning Georgian colonial situated on a tree-lined street with 1.03 acres of pristine property in the heart of Belle Terre Village. 9WsV tlMBsOM UdtoaOs ^WsKVObÛ VBoMzddM ddopÛ BbM K_BppWK ddol_Bbà 8Oo| loWyBsOÛ K_dpO sd +dos Jefferson waterfront village, beach rights and low taxes. Premiere lifestyle for the discerning buyer.

Maria Orlandi Licensed Associate RE Broker maria.orlandi@compass.com M: 631.697.0474 | O: 631.629.7719 MariaOrlandiLuxuryLiving BoWB #o_BbMW Wp B oOB_ OpsBsO BUObs BT _WBsOM zWsV dalBppà dalBpp Wp B _WKObpOM oOB_ OpsBsO Jod^Oo BbM BJWMOp J| ntB_ dtpWbU #lldostbWs| _Bzpà __ aBsOoWB_ loOpObsOM VOoOWb Wp intended for informational purposes only. Information is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without bdsWKOà !d psBsOaObs Wp aBMO Bp sd sVO BKKtoBK| dT Bb| MOpKoWlsWdbà __ aOBptoOaObsp BbM pntBoO TddsBUOp BoO Bllod{WaBsOà 2VWp Wp bds WbsObMOM sd pd_WKWs lodlOos| B_oOBM| _WpsOMà !dsVWbU herein shall be construed as legal, accounting or other professional advice outside the realm of real estate brokerage.

65280

Page 4

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Real Estate Tips And Advice

Four Real Estate Trends for 2022 Low interest rates designed to prop up the economy amid the COVID-19 pandemic are starting to inch up again, along with concerns of inflation. This means that 2022 may cool off the white-hot housing market just a little, but demand will still outpace supply. Keep reading more insights about the real estate market in 2022 from the Motley Fool. RATES GOING UP Economists say the Fed will have to respond to rising inflation, which recently clocked in at close to 7% in November, the highest rate since 1982. As the economy recovers from the pandemic, the Fed will taper off purchases of assets intended to stimulate the economy. Borrowing rates will rise more than previously thought; Bank of America predicts two rate hikes in 2022 and three more in 2023 and 2024. Mortgage rates will average 3.3% for well-qualified buyers in 2022, Fannie Mae forecasts, and the Mortgage Bankers Association is predicting a 4% rate on 30year fixed loans. ORIGINATIONS GOING DOWN The rise in rates mean mortgage lenders will see an inevitable slump in business. The MBA says total loan originations will drop 33% next year from 2021, mainly targeting refinances, which the association says will decline 62% as rates continue to go up. HOMEBUILDERS STILL BOOMING Despite rising rates, home supply still won’t be able to catch demand. Goldman Sachs tells the Motley Fool that the

©Adobe Stock

housing shortage might last the longest of all the shortages affecting the U.S. as the market struggles to recover from the lowest supply of available houses since the 1970s. An expected deregulation of land usage should help boost construction activity and push net supply up 1.4 million units, but the market will remain held back by supply constraints and labor shortages. More than 55% of homebuilders surveyed by the National Association of Home Builders said that they had trouble finding labor in 2021, while 90% of remodelers reported a shortage of subcontractors. Supply chain problems will continue to plague builders as well. NAHB says October 2021 already saw a decline in housing starts. During that month, more than 150,000 homes that were authorized to be constructed were unable to be built because of material shortages.

Real Estate 101 Freddie Mac Mortgage Market Survey Freddie Mac predicts that, despite rising interest rates and supply issues, first- time homebuyers will continue to push the real estate purchase market. Read the current primary mortgage market survey here: freddiemac.com/pmms.

the same rate. Goldman Sachs forecasts a price increase of 16% from October 2021 to December 2022, while Fannie Mae and Freddie Mac are more conservative, predicting price increase of less than 10%. MBA goes farther and predicts a decline in prices of nearly 3%. there, and you’ll get a 1098 form from your lender showing how much you paid.

HOME PRICES INCH UP Home prices won’t rocket any more, but they won’t fall, either, experts say. From August 2020 to August 2021, home prices rose nearly 20%, a record increase. Demand will still push prices, but not at ©2022 Greenshoot Media

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Page 5

Belle Terre, NY Looking for office space or space for parents with a separate entrance? Look no further than this Classic Colonial with 4 additional bedrooms, fine hardwood floors, central AC, updated kitchen and baths, gas heating and cooking, wood burning fireplace and generator hookup. A covered porch overlooks the heated in-ground pool and connects to a huge deck on the private and naturally wooded 1-acre. MLS# 3357212. $883,000.

Miriam Ainbinder

Deborah DeWick

Associate Real Estate Broker Daniel Gale Sotheby's International Realty 631.689.6980 | c.631.988.9200 miriamainbinder@danielgale.com

Associate Real Estate Broker Daniel Gale Sotheby's International Realty 631.689.6980 | c.631.664.2148 deborahdewick@danielgale.com

Each Office Is Independently Owned And Operated.

66170

Stony Brook/Port Jefferson Office 1067 Route 25A, Stony Brook, NY danielgale.com

Page 6

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Tips for Buyers & Sellers Selling: Stage Your Home Have A Solid Plan of Where You Are Going Next

Ask About Your Agent’s Commission

Tips for a First-Time Home Seller

Have Professional Photos Taken

Review Your Listing Online

Buying: Start the process early.

During this time the home buying process is rapidly changing. Work with your real estate agent for latest updates.

Qualify for the lowest mortgage you can and get pre-approved for a mortgage before beginning your search.

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Real Estate Tips And Advice

Home Tax Credits You Can Take

Homebuyer credits can make first-time home ownership more than just a dream for many Americans. Keep reading to learn more about how to take advantage of federal and other incentives to help homebuyers make their dreams a reality. WHO IS A FIRST-TIME HOME BUYER? The U.S. Department of Housing and Urban Development says a first-time homebuyer is someone who: • Has not owned a principal residence during the three year period ending on the date of the property purchase (and also their spouse). • Is a single parent who has only owned a home with a former spouse while married. • Is a displaced homemaker who has only owned with a spouse. • Is someone who has not only owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations. • Has only owned property that was not in compliance with building codes and which cannot be brought into compliance for less than the cost of constructing a permanent structure. WHAT IS HUD? The Department of Housing and Urban Development administers programs that provide housing and community development assistance. It also enforces fair and equal housing laws. HUD, as it is known, was founded in 1965 as part of President Lyndon B. Johnson’s Great Society program. What first-time homebuyers should know is that HUD grants funds for firsttime home buyers to groups with IRS tax-exempt status. So your first-time homebuyer grants through nonprofits and other organizations may well originate from HUD.

RAID YOUR IRA You can use up some $10,000 of portfolio earnings out of a traditional IRA or Roth IRA without paying the early withdrawal penalty if you’re a firsttime homebuyer using it to buy a home. In this case, the IRS defines a firsttime homebuyer as someone who hasn’t owned a persona residence in two years. This is different from HUD, who requires three years. STATE PROGRAMS Your state may offer similar programs. These are usually based on income, Investopedia says, and may also limit the price of the property purchased. But they can also include costs to improve the property, so these programs are worth looking into. FEDERAL NATIONAL MORTGAGE ASSOCIATION’S HOMEPATH READYBUYER This is another program that offers closing cost assistance in exchange for new home buyers completing a mandatory online course. This assistance can be used to purchase a foreclosed property owned by Fannie Mae.

Real Estate 101 Government Guide to Buying a Home The U.S. Department of Housing and Urban Development will walk you through the home buying process with their guide to buying a home, found at: hud.gov/topics/ buying_a_home. DEDUCTIONS EVERYONE CAN TAKE Of course, first-time homebuyers can also take advantage of programs that are available to all homeowners. These include a tax deduction for your home mortgage, limited to interest paid on $750,000 or less for people that are married and filing jointly and $375,000 for those married and filing separately. Also, this deduction is only for those that itemize, and a 2021 bill increased the standard deduction to make it less likely that you’ll itemize your taxes. Still, it’s there, and you’ll get a 1098 form from your lender showing how much you paid.

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Here you can list your home with conﬁdence. The sales professionals at Coach Realtors are here to help families make important home selling desisions with certainty.

List your home with us 631.751.0303

Stony Brook Beautiful 5 BR 3 BA home located in the Soundview Beach Association. Private beach w/pavilion for parties/baseball field/kayak storage and boat launch. This is a must see of you are looking for a private beach community. Beach Association fees $1,200 annually. ML#3358262 $799,999

Mt. Sinai Stunning 5 Br, 3.5 Bathrooms, Victorian With Wrap-Around Porch. Hwdflrs, Den With Fireplace. Kitchen With Granite Countertops and Stainless Steel Appl. Billiard Rm on 2nd Fl. Primary Suite w/full bath/Jacuzzi. Finished Basement with Full Ba. Mt Sinai SD ML##3355208 $749,999

Stony Brook Tastefully decorated with Casual Elegance Throughout Describes This Lovely Home. Unique Open Devon Ranch.Famed 3 Village SD. Features include Sleek Woodlook Tile Flooring, Updated Kitchen, Recessed Lighting, CAC, In Ground Pool w/ New liner, and much more! ML##3367176 $579,000

E. Setauket Gated community. The Lakes in East Setauket, 3Village SD. Impeccably Maintained Spacious Fairfax model. Open floor plan.. Cathedral ceilings in the Master BR 2 Lge BRs and full bath complete upper level. Clubhouse amenities. Close to SBU, Shopping. ML#3330076

Westhampton Beach Ocean and bay beach access, chair rack on beach; 3 tennis courts, bay and ocean heated pools; kayak, walk to town, furnished, 2 bed/2 bath; , internet /cable, washer/ dryer. *$80,000 Price quoted is for Memorial to Labor Day. July 1-Labor Day: $75,000; August 1-Labor Day: $60,000. ML#3363831 $80,0000*

Setauket OFFICE RENTAL. Office Space in beautiful brick building, off 25A in the heart of Setauket. 1300 sq ft. second floor, elevator access, No smoking, no pets. Rent includes water and taxes. Tenant responsible for gas and electric. Available for immediate occupancy. ML#3357763 $3,300/

$499,999

Month coachrealtors.com

Stony Brook Office | 1099 North Country Road, Stony Brook, NY 11790 | 631.751.0303

H E R E YO U C A N 65290

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Here you can list your home with conﬁdence. List your home with us 631.928.5484

Rocky Pt Stunning Custom Built Waterfront on 1.26 Acres.Open Floor Plan w/Granite Kitchen, Large DR W/FPL ,LR 3 Bdrm each Full Baths. Master Suite W/ Sitting Area With Private Balcony. Finished Basement w/Full Bath, 2 Car Garage. ML#3345538 $1,100,000

Port Jefferson Heated gunite IGP with hot tub. Back yard cabana with bath and wet bar. Granite EIK, Master bed w/bath with top of the line fixtures and radiant heated floor, master w/own sitting room/ office/gym.3 additional full baths, Full fin. Bsmt. ML#3296748 $989,000

Miller Place Custom built home in the private Gated waterfront community of Scotts Beach w/deeded beach rights. 3rd floor master suite (loft) w/ master bath Hwd flrs main level- FDR/Flr w/fp, private office, 2 bdrms and a full bth. Gourmet EIK. IGP. ML#3333864 $789,000

Pt Jefferson Station Spectacular Contemporary style. Updated, Mt Sinai Schools, 1.39 acre. Fully fenced,energy efficient appliances, updated Baths, generously sized EIK, overlooking the family room with fireplace, FLR, FDR. Garage has interior access+stairs to basement. ML#3368421 $749,000

Sound Beach Ownership of this land gives you a deeded membership to Scotts Beach which is a private gated waterfront community and you have deeded beach rights to 5 acres of North Shore Beach’s. This is a 4 bedroom 2.5 bath home with a 1 car garage and a full basement. ML#3338534 $699,000

Sound Beach Cozy 4 bdrm home featuring- an updated granite EIK with ss apl. , Hwd.floors, full walk out basement to oversized fenced in yard (Vinyl fencing). 2nd level deck overlooking the yard. Oversized driveway. ML#3352535 $459,000

Coram Townhouse. Beautiful Amhurst End Model in a prime location. Custom granite EIK, First floor Master Bdrm w/ WIC. Private yard w/ deck & hot tub. Formal LR w/wood burning stove. Upstairs with open hallway perfect for extra office + 2 Bedrooms, full bath and a walk in attic. ML#3368809 $389,999

Coram CO-OP. Two bedroom upper unit.Updated windows, kitchen, bath. Alarm System. Maintenance includes taxes, heat, upkeep of grounds & amenities-2 outdoor pools, 1 indoor pool, club house, laundry. Playground, tennis, basketball. One assigned parking space. ML#3368100 $185,000

The sales professionals at Coach Realtors are here to help families make important home selling desisions with certainty.

Port Jefferson Office | 140 East Main Street, Port Jefferson, NY 11777 | 631.928.5484

coachrealtors.com H E R E YO U C A N 65320

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Here you can list your home with conﬁdence.

Blue Point Immaculate 2Br, 2 FBth Ranch in Beautiful 55 and Over Springhorn Development. Quaint Front porch, Lg Living Room w/2 Skylights. Master Bedroom Suite w/FBth, Separate Den/Guest Room. Ample Closets. Rear Slider. One Car Garage. Community IGP, Clubhouse. ML#3363205 $399,900

Coram Country Village, Largest 2Br, 2FBth Condo, Amherst Model. EIK w/Oak Kitchen Cabinets, , Electric Stove. Formal DR, HW Floors, Wall to Wall Carpet, New Hot Water Heater. Lg Living Room. Separate Laundry Room. Fenced Patio Area, Security Sys, 1 Car Garg., Gated Community. ML3366466 $339,900

The sales professionals at Coach Realtors are here to help families make important home selling desisions with certainty.

List your home with us 631.331.3600

Rocky Point Unique 2Br, 1 FBth Waterfront Home, Nestled In Private Beachfront Community of Culross. The Exterior is Redwood Logs, The Interior Southern Pecky Cyprus Wood, Cathedral Ceilings. 4 Yr Roof & Upgraded Elec. Screened In Sunroom w/Glass for Winter. Part/Finished Bsmnt. ML#3351457 $690,000

Stony Brook One of a Kind 3Br, 1.5Bth Historic Home built in 1810 w/Wrap around Porch. EIK, HW Flrs in DR, Family Rm w/Fpl, Remodeled Bath, New roof & Det’d 2 Car Garg w/Loft and tons of storage or room for a workshop. Beautiful Waterviews of LI Sound at end of Block. ML#3328588 $699,000

coachrealtors.com

Mount Sinai Office | 354 Route 25A, Mount Sinai, NY 11766 | 631.331.3600

H E R E YO U C A N 65300

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Top 3 Things to Know Before You Refinance

1 Your Home Equity 2 Your Credit Score 3 Cost of Refinancing

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Stonington Condo Port Jefferson Station

Perfect location in the much sought-after community of Stonington. Lovely condo tucked in the back of the development on the pond with full pond views and across from the woods. This move in ready condo features hardwood floors, new windows and doors, finished basement. Crown Moulding throughout, CAC 2nd floor laundry. Patio. Each bedroom with private bath and vaulted ceilings. Roof replaced March 2021. Newer CAC unit. Community features Pool, Tennis and new Pickleball court. Just unpack and move in. $499,990

Selling? Call me for a FREE, no obligation market analysis of your home.

Buying? Call us today to start searching for your new home.

Ken Kroncke, Licensed RE Salesperson c: 631.601.4317 • o: 631.706.4575 kkroncke@realtyconnectusa.com • kenkorncke1@gmail.com • realtyconnectusa.com Christine Fisk, Licensed RE Saleperson c: 631.236.3194 • o: 631.706.4754 cfisk@realtyconnectusa.com • christinefisk001gmail.com ©66500

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Say You Saw It In NORTH SHORE HOMES

Real Estate Tips And Advice

Short Sales or Foreclosures?

Real Estate 101 Short Sales: Buying and Selling

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If you’re looking for rockbottom price on a piece of property, you’ll often hear the terms “short sale” and “foreclosure” as recommended options. The two terms can be mixed up, as both happen after a previous mortgage goes into default. Foreclosures can follow a failed short sale, too. They are interrelated but not the same. Knowing the difference is critical if you’re in the market for a bargain or are worried about what will happen after a rough financial patch. Here’s a deeper look at these two options, so you can decide which is right for you. FORECLOSURES Overburdened homeowners who can no longer make the mortgage payments on their property risk foreclosure. Borrowers reach this crossroads for a variety of reasons, including issues related to employment or their health. It’s the end of a difficult period that begins with an inability to stay current on your mortgage, and may take a detour into a short-sale option.

Homes also go into foreclosure when there are no takers on a short sale. When all else fails, a notice of default is issued to the property owner. There’s a grace period to catch up but if missed payments are not be made, the property is then seized by the bank or lender. At that point, the homeowner loses possession, and the bank begins the search for a buyer — often after steeply reducing the price in order to facilitate a quick sale. SHORT SALES Short sales are an option for those who want to keep property from being seized by their lender. Distressed borrowers who can’t keep up with house payments, or are stuck with a property after relocating, may choose to sell the home for less than they owe in order to get out from under their mounting debts. Quickly finding an owner keeps them from being issued a notice of default. This is the last stop before a home is auctioned in foreclosure. The homeowner is freed from the mortgage, but may not recoup any of their equity. In fact, they may lose money in a short sale. The benefit of this kind of sale is that the borrower’s credit isn’t negatively impacted, as it would be in foreclosure. You’re free to walk away. These are

Bargain-hunting home shoppers and other cash-strapped home buyers turn to short sales in hopes of finding a home priced below market value. If you’re considering buying a short sale home or short-selling your own home, check out this guide from the experts at Rocket Mortgage at bit. ly/3p0eIbT. intricate transactions, however, and should be handled by a qualified realestate agent who specializes in short sales. A home can fall into default after only a few missed mortgage payments, so time is of the essence. IS THERE HELP? Don’t panic if you’re having trouble meeting your mortgage obligations. There are options to save your property from foreclosure, even if you have fallen behind. Many finance companies work with borrowers to circumvent these proceedings. That’s because lenders would rather avoid processing costs, including insurance and taxes, and the need to find a new owner. You may also be able to negotiate to stay in your home. As you go that process, you’ll be asked to seriously evaluate your finances, set a reasonable budget and sign updated contracts in order to go forward with a new payment program. They may also ask that you do a short sale, or seek bankruptcy advice from an attorney. ©2022 Greenshoot Media

Say You Saw It In NORTH SHORE HOMES

(631) 751–7744

January 27 – February 9, 2022

Love My Pet Featuring Pets on The North Shore February 10, 2022 Our cute, lovable and unusual pets are our pride and joy. We’ll feature our readers’ pet photos in the Leisure Section of all 6 weekly newspapers that cover Cold Spring Harbor to Wading River, plus online and social media. Email your pet photo to loveourphotos@tbrnewsmedia.com and put “Pet Photo” in the subject line plus pets name your name and town by 5 pm on Feb. 4th.

To advertise in this special feature call your account representative at 631-751-7744 for details now! TBR NEWS MEDIA

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ADVERTISING DEADLINE Thursday, February 3

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January 27 - February 9, 2022

Say You Saw It In NORTH SHORE HOMES

Whether you are buying, selling, relocating, or investing, working with the right real estate professional is crucial to ensuring a smooth and successful transaction. Contact us today to discuss your needs, get your questions answered, and set you on a proﬁtable track to maximizing your most important investment.

Belle Terre|$1,750,000|Web # 3367580

Setauket|$1,499,000|Web # 2267884

Stunning, totally renovated home in the heart of Belle Terre.

Modern simplicity meets exceptional design and elegance.

East Setauket|$849,000|Web # 3369076

East Setauket|$699,999|Web # 3367666

Beautiful renovation in Island Estates.

Gorgeous Woodhull / Tyler Home circa 1750. Period renovation, modern convenience.

Port Jefferson|$565,000|Web # 3369846

Miller Place|$539,000|Web # 3367966

Endless charm, meticulously maintained Cape near the heart of the village.

Live a life of luxury in The Vineyards. Enjoy this Zinfandel unit.

EAST SETAUKET OFFICE 300 Main Street 631.751.6000

elliman.com/longisland

110 WALT WHITMAN ROAD, HUNTINGTON STATION, NY 11746. 631.549.7401 | © 2022 20 DOUGLAS ELLIMAN REAL ESTATE. ALL MATERIAL PRESENTED HEREIN IS INTENDED FOR INFORMATION PURPOSES ONLY. WHILE, THIS INFORMATION IS BELIEVED TO BE CORRECT, IT IS REPRESENTED SUBJECT TO ERRORS, OMISSIONS, CHANGES OR WITHDRAWAL WITHOUT NOTICE. ALL PROPERTY INFORMATION, INCLUDING, BUT NOT LIMITED TO SQUARE FOOTAGE, ROOM COUNT, NUMBER OF BEDROOMS AND THE SCHOOL DISTRICT IN PROPERTY LISTINGS SHOULD BE VERIFIED BY YOUR OWN ATTORNEY, ARCHITECT OR ZONING EXPERT. EQUAL HOUSING OPPORTUNITY. 65330