3/24 - 4/6 • 2022
HOMES
Serving Long Island's Prestigious North Shore
The best work comes from the heart
New to Market
SMITHTOWN Get ready to fall in love with this sunny and special gem of a home in Morewood Estates! This 3 bedroom, 2 bath ranch has been completely renovated inside and out, giving you more time to Relax! The interior boasts open concept floor plan, renovated EIK with vaulted ceilings, Cherrywood cabinetry, SS appliances and granite countertops. There are two completely renovated bathrooms, oak floors, and recessed lighting throughout. All nestled on level, fenced property in mid-block location. Much more than meets the eye! ML#3382941 Offered at $570,000
List your home with us 631.751.0303 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
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Here you can list your home with confidence.
Setauket Meadows Beautiful Interior Unit W/Water Views From Rear Deck. 1st Floor Hardwood Floors, Gas Fireplace. Open Floor Plan, Kit W/Center Island, Dining Area, Living Rm & Half Bath. Upstairs Loft Area, Large Master BR & Full Bath, 2 WIC. Add’l guest BR and Full Bath. Laundry Room on 2nd Floor. ML#3379478 $629,000
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
$499,999
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
Westhampton Beach Ocean and bay beach access, stunning bay sunsets, chair rack on beach;3 Har Tru tennis courts, bay and ocean heated pools; ride your bike on Dune Road, kayak, walk to town, furnished, recently renovated, 2 bed/2 bath; 2 flat screen tv’s, internet / cable, washer/dryer. ML#3363831 July 1-Labor Day: $75,000; August 1-Labor Day: $37,500
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/
Month
Stony Brook Office | 1099 North Country Road, Stony Brook, NY 11790 | 631.751.0303
coachrealtors.com H E R E YO U C A N 75670
Say You Saw It In NORTH SHORE HOMES
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Page 3
Even in a hot market, you still need the best Realtor Coach Realtors provides the guidance and world class marketing you need to obtain the highest value for your home.
List your home with us 631.928.5484
Miller Place Waterfront Townhome on nearly 5 acres. Private 200 feet of beach frontage. Cabana. 3 car garage, Mstr +Ensuite + private waterfront balcony, 2 addl. bdrms. w/Ensuite full baths.1st Floor Study or 4th bdrm. Bsmt. w/9’Ceilings. ML#3369966 $1,750,000
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 $999,000
Miller Place Farm Ranch in Gated Community across the street from the water. Large 1st floor master Bedroom w/master bath, Open floor plan with Cathedral Ceilings. Beautiful 3 season room with brick flooring and seasoned flowering gardenson just shy of a 1/2 acre. ML#3371370 $699,000
Mt Sinai (Land) Enjoy Waterfront Living on this Waterview Property. All the views of Waterfront without any of the headaches of Bulkheading. Build your Dream home overlooking Mt. Sinai Harbor where you can enjoy boating, Fishing, Kayaking and more. ML#3369323 $599,000
St James (Condo) Andover Model in Fairfield at St. James. 2 Bedrooms, 2 full Bths. Garage and private Parking in Driveway. Eik, FDR, Large FLR, Master Bdrm w/full Master Bth. Guest Bedroom & Bth. Laundry Area, Garage. Sliders to Private Patio area. Community Clubhouse, ML#3379827 $449,999
Rocky Pt Ranch with Open Floor Plan, Living Room, Kitchen, Dining Area, Beautiful Hardwood Floors, 2 Bedrooms, Both Bedrooms Have Doors That Lead To The Deck. Fire Pit. Fully Fenced Yard, Full Basement 8 ft Ceilings. Close To Beach, Shopping and Restaurants. ML#3380510 $359,000
Port Jefferson Office | 140 East Main Street, Port Jefferson, NY 11777 | 631.928.5484
H E R E YO U C A N
75680
coachrealtors.com
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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. Shoreham Magnificent 5Br, 3FBth Colonial w/Year-round Waterviews from 2 decks & patio. Features updated EIK w/Granite. FDR w/ Gas Fpl. and Huge LR w/Water views. Master Bedroom w/ Full Bath. 3 Lg Br’s & FBth. beach access minutes away. Level private 1/3 Acre property.. ML#3376951 $779,000
List your home with us 631.331.3600
Southold Welcome to North Fork living. 2Br, 1FBth Ranch offers EIK, HW Floors, Den/Family Rm & Walk out Bsmnt, Located just steps away from the water & a w/a view of the Peconic Inlet from the front yard. Great proximity to wineries, beaches, marinas and ferries. IGP. ML#3375510 $699,000
Stony Brook The Knolls at Stony Brook. 2Br, 2FBth Condo, Beech model w/ Open Floor Plan. EIK w/Granite & S/S appliances. LR & Formal DR, Sunroom overlooking Fenced Yard. Master Br w/ His and Hers closets & FBth. 1 Car Garage. Amenities: Clubhouse and Community IG Pool. ML#3379081 $435,000
Wading River Beautiful Winter Water views. 5BR, 3FBth Victorian on ¾ Acre in Shorham-Wading River SD. EIK w/S/S Appliances. Formal DR, Den/ Family Rm w/Wood Burning Fpl, HW Floors, Lg Br/Great Rm w/FBth. Master w/FBth. Laundry Rm. Backyard w/Hot Tub. ML#3379510 $769,000
Mt. Sinai Simmons Estates! Updated, 4Br, 2.5Bth private Colonial on lg .36 corner lot. EIK, Nice Sz Den w/access to the patio, FDR & Huge FLR w/Vlted Ceilings. Tranquil Master suite with spa-like bth, separate shower, and WIC. Country Club Yard w/ PVC fence, patio and IGP. ML#3377504 $649,000
Calverton Beautiful 3Br, 2.5Bth Colonial with Rocking Chair Porch on 1.01 Botanical Garden like property, EIK w/Granite, Den w/Vaulted Ceiling & Stone Fpl, HW Floors, Crown Moldings Formal DR/LR. Master Br w/FBth. New Roof, Boiler & Vinyl Fencing. ML#3378110 $639,900
Miller Place Gorgeous 5Br, 4FBth Contemporary on 1.22 Acres. Open Floor Plan. EIK w/Granite, Center Isle & S/S. Hg Master w/FBth & WIC. LR/DR, HW Flrs, CAC & Wood Burning Stove. FBsmnt/Part Fin’d. Huge Fenced Yard, Enclosed Rear & Front Deck. 4 Car Garage. ML#3378395 $674,990
coachrealtors.com
Mount Sinai Office | 354 Route 25A, Mount Sinai, NY 11766 | 631.331.3600
H E R E YO U C A N 75700
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Page 5
2022 OUR BANNER YEAR
Celebrating Douglas Elliman’s Leading Agents And Teams
CONGRATULATIONS TO OUR EAST SETAUKET OFFICE AWARD WINNERS!
Lisa Jaeger
Acker/Poulos
Team Patel
#1 Long Island Agent
#1 East Setauket Team* Gold Award
Gold Award
Rosanne D’Agostino
Yaffa Stegemann
Angela Peritore
President’s Circle Award
President’s Circle Award
Leading Edge Award
by Transactions
#1 East Setauket Agent* #4 Long Island Agent by Volume
#6 Long IslandAgent by GCI
Pinnacle Award
Donna Wissman Leading Edge Award
East Setauket Office 300 Main Street, Suite 2 631.751.6000 elliman.com
75730
*AT DOUGLAS ELLIMAN, BY GCI AND UNITS. © 2022 DOUGLAS ELLIMAN REAL ESTATE. EQUAL HOUSING OPPORTUNITY. 110 WALT WHITMAN ROAD, HUNTINGTON S TAT ION, NY 11746. 631.549.7401. COMPANY-WIDE AWARD RANKINGS AT DOUGLAS ELLIMAN REAL ESTATE FOR 2022: PINNACLE - TOP 4% | GOLD - TOP 13% PRESIDENT’S CIRCLE - TOP 17% | LEADING EDGE - TOP 21%
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“Keep your promises and be consistent. Be the kind of person others can trust.” ~Roy T. Bennett
Thank you! Our success is a direct reflection of your continued trust and referrals. Douglas Elliman Realty expanded its sales regions by 20% in 2021. It is one of the largest residential brokerage companies in the New York metropolitan area and now the sixth largest in the U.S. They had a record-breaking 2021 with nationwide sales totals of approximately $51.2 billion.
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. 75650
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Page 7
REAL ESTATE | MORTGAGES
©ADOBE STOCK
Financing Options Getting pre-approved for a (*-/" " $. *ȅ ) *) *! /# ޔ-./ ./ +. 4*0 / & 2# ) $ $)" /* +0- # . #*( ѵ
The upside is that these loans are usually less expensive than the loans guaranteed by the government.
There are a lot of financing options out there and it can get confusing quickly. Here’s a rundown of some of the most common types of mortgages out there and what you need to know about each one.
The Federal Housing Administration also provides several mortgage choices. Typically, these have lower down payment requirements and are easier to get than conventional loans. These are great choices for first-time home buyers because they have lower upfront cost and less stringent credit requirements. Down payments on FHA loans can be as little as 3.5% of the home’s purchase price. That said, FHA loans require mortgage insurance to protect the lender should the borrow- er default, die or is otherwise unable to meet the obligations of the mortgage.
CONVENTIONAL LOANS
Conventional loans are mortgages that are not insured or guaranteed by the federal government. These are usually fixed-rate mortgages and, because they have stricter requirements, are usually some of the hardest to qualify for. Conventional loans typically require a bigger down payment, a higher credit score, lower debt-to-income ratios and could also require private mortgage insurance.
FEDERAL HOUSING ADMINISTRATION LOANS
VETERANS AFFAIRS LOANS
FHA isn’t the only government agency that guarantees loans. The
Department of Veterans Affairs guarantees some mortgages to allow veterans to obtain home loans with favorable terms, sometimes even without a down payment. Like FHA loans, these loans are easier to quality for than conventional loans for qualified buyers. FLOATING-RATE MORTGAGES
Also called adjustable rate mortgages or interest-only mortgages, these loans are the most help to first-time homebuyers or to buyers to expect their incomes to rise substantially. As a borrower, you usually get a lower introductory rate for the first few years of the loan. That means you can qualify for more money than if you tried to get another kind of loan. These loans can be risky if your income doesn’t grow as fast as your interest rate rises.
©2022 Greenshoot Media
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JMarch 24 – April 6, 2022
Say You Saw It In NORTH SHORE HOMES
Coram Co-op $172, 500 Wonderful 1st Floor unit! Bathroom redone 2018 and Kitchen 2019, Nice sized rooms. Spacious outdoor patio. 2019 Washer/Dryer in unit. Central AC Updated electric. Clubhouse, Pool, New Tennis Courts, Basketball Court, Don’t miss this opportunity to call this move in ready unit your home! Freshly painted.
Rocky Point $419,000 Perfect location! Property is adjacent to State owned land on the Shoreham border. Open floor plan with wonderful flexibility. Fireplace in family room and could also be used as a 1st floor master, Newer Kitchen, HWFLS, Primary bedroom with full bath. Generously sized bedrooms, plenty of storage, lovely property. Come and enjoy!
Garden City $899,900 Great opportunity in Estates section, Solid cape/farm ranch with expansion opportunities. All nice size rooms on the 1st floor. Newer kitchen. Primary bedroom with bath. 2nd floor is unfinished just waiting for you to make it your own! Nice private backyard. Hardwood floors. 2 car garage, Hurry!
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 • kenkroncke1@gmail.com • realtyconnectusa.com Christine Fisk, Licensed RE Salesperson c: 631.236.3194 • o: 631.706.4754 cfisk@realtyconnectusa.com • christinefisk001@gmail.com ©76320
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(631) 751–7744
March 24 – April 6, 2022
Page 9
REAL ESTATE | PROTECT YOUR INVESTMENT
Types of Insurance liability and additional living expenses. Renters insurance policies are usually named perils policies that cover events covered by HO-1 and other policies.
Once you’ve found your perfect home, you need to protect it.
There are lots of different homeowners policies out there, each for the kind of home you purchase. There are policies for single-family homes, condos and more. Keep reading to learn more about each type of policy.
HO-5 INSURANCE
HO-1 INSURANCE
This is your basic homeowners policy. It covers your home, any attached structures such as garages, appliances and some features of your home. It’s a named perils policy. That means it covers you in specific situations, which may include damage from vehicles, explosions, fire and lightning, hail and windstorms, riots, smoke, theft, vandalism and even volcanic eruptions. HO-2 INSURANCE
HO-2 policies may also be called a broad form. This covers your home and your personal belongings — most of the time no matter where they are. They may include liability coverage. Like an HO-1 policy, HO-2 insurance covers named perils. They may also include accidental discharge or overflow of water or steam; tearing apart, burning and cracking
from some household systems; freezing of pipes and heating and air conditioning systems; sudden and accidental damage from electrical currents; a falling object; or weight from ice, snow or sleet. HO-3 INSURANCE
The most common type of homeowners is the HO-3 special form policy. It covers your home, personal property, liability and additional living expenses and medical payments. The perils it covers generally exclude defective construction or maintenance; foundation issues; government actions;
pet or animal damage; pollution and corrosion; theft, vandalism and frozen pipes in vacant houses; wear and tear; flood, earth movement; war; nuclear hazard; intentional loss; neglect; mold, fungus or rot; power failure; ordinance or law; mechanical breakdown; smog, rust or corrosion; birds, rodents and other creatures; and any animals owned by the insured. HO-4 INSURANCE
These policies are commonly called renters insurance. You can get these when you’re renting property and want to cover your personal belongings and get
This is the most comprehensive policy available and covers your home, personal belongings, liability, additional living expenses and medical payments for others. They can also have higher limits for things such as jewelry and are recommended if you have high-value items. These policies protect you from anything not specifically excluded in your policy. Common exclusions are things like earth movement, government actions or laws, mold, nuclear hazards, war and more. HO-6 INSURANCE
HO-6 insurance is for condo owners and covers everything inside your unit, personal liability and additional living expenses. They also usually include dwelling coverage. Condo homeowners associations usually have their own policies that cover the common areas, grounds and external parts of the building. The owners in the building help pay the association’s fees as part of their HOA fees. ©ADOBE STOCK ©2022 Greenshoot Media
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Say You Saw It In NORTH SHORE HOMES
Top 3 Things to Know Before You Refinance
1 Your Home Equity 2 Your Credit Score 3 Cost of Refinancing
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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.
Be ready to act fast and be willing to compromise. ©76380
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REAL ESTATE | HOME VALUE
Renovation Projects That Pay
©ADOBE STOCK
If you’ve spent the pandemic looking around your home and deciding you need .*( /#$)" $Ȃ - )/Ѷ 4*0 might be pondering a move up.
To maximize what you get for your home, you might be pondering a few renovation projects. Here are the projects that net you the biggest return on your investment according to HGTV. LANDSCAPING
The average homeowner spends about $4,000 on landscaping, the American Nursery Landscape Association says, and HGTV says your average return is 100%. Add new sod to the front yard and pick native flowering plants for a pop of color at the front of the house. Nix overgrown shrubbery and mix the heights of foliage for a dramatic effect.
EXTERIOR IMPROVEMENTS
New vinyl siding, paint and updating the front entry will run you a little more than $7,000 and you’ll get about 95% of it back. Use paint color cards to choose color combinations. Make sure you test for lead before painting or sanding if your home was built before 1978. It could have lead in the paint, which can be harmful to humans. ATTIC BEDROOM CONVERSION
Got room upstairs? HGTV says it will cost you around $40,000, but you’ll get about 94% of it back. You need to make sure there’s plenty of insulation to lower your utility bills and that your existing HVAC can handle the load. MAJOR KITCHEN REMODEL
The kitchen is the heart of the home and it will run you about $45,000 for a major renovation that covers new cabinets, an island, countertops, sink, appliances and flooring. HGTV suggests removing
over-counter cabinets and making countertops work for you by creating an eating bar. Stick with neutral colors to get the most bang for your buck. REPLACEMENT WINDOWS
This job will cost you around $10,000 and you’ll get around 90% of that back. New windows can make your home more efficient and save on utility bills for either you or your home’s new owners. Side note: You may not recoup that much in hotter climates. In Las Vegas, for instance, you’ll only get around 60% of your investment back. LIVING ROOM UPDATES
Giving your living room a facelift with new decor including light switches, outlet covers, floor registers and more will cost you about $2,000. You should expect to get about 60% of that back. If you’re following up this renovation with a sale, stage your home by moving excess furniture and clutter to storage. ©2022 Greenshoot Media
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U X 2
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H V X +R In Spring & Fall Features targeting North Shore Readers in a prime demographic market of 45 communities with semi-annual guides to
• What's Trending in Kitchen & Bath • Interior Designs, from Trendy to Traditional • Landscape, Masonry and Gardening • Seasonal Features Published in: • The Village TIMES HERALD • The Village BEACON RECORD • The Port TIMES RECORD • The TIMES of Middle Country • The TIMES of Smithtown • The TIMES Huntington, Northport & East Northport
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185 Route 25A • PO Box 707 • Setauket, NY 11733
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Successfully Marketed
Old Field, NY
Setauket, NY
Setauket, NY
MLS# 3346118
MLS# 3351363
MLS# 3310057
Port Jefferson, NY MLS# 3222116
Belle Terre, NY
MLS# 3238805
Miller Place, NY
Stony Brook, NY
MLS# 3295349
MLS# 3324072
East Setauket, NY
Mt. Sinai, NY
MLS# 3230030
MLS# 3335464
2022. A New Year. Even though the pandemic stayed with us during 2021, we still managed to close many transactions and helped our sellers and buyers move on with their lives. While interest rates are creeping up, they are still historically low and demand for homes is expected to continue in 2022.
Miriam Ainbinder Associate Real Estate Broker Gold Circle of Excellence 631.689.6980, c.631.988.9200 miriamainbinder@danielgale.com
Stony Brook/Port Jefferson Office 1067 Route 25A, Stony Brook, NY 631.689.6980 | danielgale.com Each Office Is Independently Owned And Operated.
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