North Shore Homes - August 11, 2022

HOMES

8/11 - 24 • 2022

Serving Long Island's Prestigious North Shore

Belle Terre 5800 sqft-5 bedrooms 4.5 Baths- 1.5 Acres

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

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(631) 751–7744

August 11 – 24, 2022

Belle Terre | $2,586,000

Say You Saw It In NORTH SHORE HOMES

– 5800 sqft-5 bedrooms 4.5 Baths- 1.5 Acres

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. ©99840

Say You Saw It In NORTH SHORE HOMES

(631) 751–7744

August 11 – 24, 2022

Page 3

OLD FIELD

18 Flax Pond Woods Road 7 BD 6 BA 3 HB | 11,000 SF | $3,350,000 Breathtaking waterfront custom brick colonial.

This stunning residence has direct access to Flax Pond and panoramic views of the Long Island Sound.

Maria Orlandi Licensed Associate RE Broker maria.orlandi@compass.com M: 631.697.0474 | O: 631.629.7719 MariaOrlandiLuxuryLiving BoWB #o_BbMW Wp B _WKObpOM BppdKWBsO oOB_ OpsBsO Jod^Oo BT _WBsOM zWsV dalBppà dalBpp Wp B _WKObpOM oOB_ OpsBsO Jod^Oo BbM BJWMOp J| ntB_ dtpWbU #lldostbWs| _Bzpà __ aBsOoWB_ presented herein is intended for informational purposes only. Information is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or zWsVMoBzB_ zWsVdts 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| already listed. Nothing herein shall be construed as legal, accounting or other professional advice outside the realm of real estate brokerage.

99900

Page 4

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August 11 – 24, 2022

Say You Saw It In NORTH SHORE HOMES

HOMEWISE | ' ./ / $+. ) 1$

What Do Rising Interest Rates Mean For You? $/# $)‫ ޕ‬/$*) / ''Ҋ/$( #$"#.Ѷ /# - ' . -1 $. ‫"ޔ‬#/$)" & 4 ( &$)" (*) 4 (*- 3+ ).$1 /* *--*2 ҍ *- - $.$)" /# . $)/ - ./ - / .ѵ In June, the Fed raised rates by 0.75 of a percentage point, which may not seem like much, but it’s the biggest rate hike since 1994. More hikes are likely, too, as inflation continues to surge.

This makes the complicated process of buying a home even more complicated. Here’s how.

IF YOU’RE BUYING You want to lock in that lower rate and find a property fast before rates go up even more. A mortgage rate lock freezes your interest rate for a period of time during which you mush close the loan or the rate will fluctuate again. This is important with rising rates. Be careful, though.

Your lender may charge a fee for locking the loan or roll that into the cost of the loan. Make sure it’ll be worth your while to lock.

Rate locks can also be voided if any of your information changes.

If your credit score takes a hit, you change employment, your property appraisal changes or anything else, the rate lock could roll off, leaving you open to paying more for your home loan.

IF YOU’RE SELLING As money gets more expensive, more buyers will leave the real estate market, opting to stay in rentals or in their current home until mortgages become cheap again.

However, even with rising rates, mortgage rates are still near historic lows, thanks to years of the Fed

©ADOBE STOCK

REAL ESTATE 101 Understanding Basis Points A basis point is the common unit of measure for interest rates and other percentages in finance.

One basis point is equal to 1/100 of 1%. They are used to show the change in value or rate of a financial instrument. They can be abbreviated to bp, bps or bips. keeping interest rates at or near zero.

In 1981, for instance, during the OPEC-fueled recession, mortgage rates soared to near 20%, finishing the decade at 10%, which would still seem outrageous to most borrowers today.

This means that you are going to have to work harder than you did even just a few months ago to sell your home. Consider paying all or part of the closing costs, particularly if the home you’re selling is marketed to first-time buyers. You may also consider offering sweeteners such as home warranties, including appliances with the sale, and other things to entice buyers to pounce on your property.

This is where working with a real

estate professional could really pay off. They know the market in your area intimately and can offer you tips to put your home head and shoulders above other inventory, attracting what buyers there are as rates inch upward.

THE FORECAST Unfortunately for buyers and sellers alike, the forecast foretells more Fed hikes in the future this year. So far this year, an aggressive Federal Reserve Board has hiked rates by a full percentage point and it could go all the way up to nearly 3% before the year is out. Making money more expensive is one way to cool the economy (and hopefully that record inflation), but the balance for Fed officials is not doing too much, too fast, pushing the country into a recession.

Two of the last three tightening cycles have ended in a recession, and odds are that this one will, too, making markets (and homebuyers) uneasy about the future. That unease translates into people staying put wherever they are.

©2022 Greenshoot Media

Say You Saw It In NORTH SHORE HOMES

(631) 751–7744

August 11 – 24, 2022

Page 5

Lake Grove $389,900 Absolutely adorable ranch on a nice flat piece of property in the Village of Lake Grove, Great curb appeal. Wonderful light bright 4 season sunroom perfect for all your entertainment needs or for those nights just looking at the stars. So many updates since 2016 including New roof (16), siding (18), cesspool (16), flooring (18), appliances (17), driveway (19), insulation (17), bath (19), Granite kitchen (19), Hot water heater (19), Updated and new plumbing. Propane stove. This home is truly move in ready. LOW LOW TAXES! Under $4000 including village without STAR! Plenty of room for possible expansion or adding a garage. Hurry, this one won’t last!

Massapequa $649,900 Light and Bright Move in Ready Hi-ranch with a mid-block location. All hardwood floors on the second floor.

Wood burning fireplace in the dining room for holiday get togethers Newer siding, Gas heat. 5 nice sized bedrooms, Wonderful fully fence backyard with IG pool newer new liner Great home with so much potential!

Possible room for mom! Don’t miss this one!

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 ©100010

Page 6

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HARVEST TIMES Fun in the Fall On The North Shore Of Long Island!

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Page 7

Recent Transactions

BELLE TERRE

MLS# 3357212. $840,000.

PORT JEFFERSON STATION MLS# 3402453. $499,000.

Miriam Ainbinder

Associate Real Estate Broker c.631.988.9200 miriamainbinder@danielgale.com Stony Brook/Port Jefferson Office 1067 Route 25A, Stony Brook, NY 631.689.6980 | danielgale.com

STONY BROOK

MLS# 3378463. $700,000.

HEAD OF THE HARBOR

MLS# 3319839. $2,650,000.

HALL OF FAME GOLD CIRCLE OF EXCELLENCE 2020 TOP PRODUCER & UNIT LEADER

Each office is independently owned and operated.

97820

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Say You Saw It In NORTH SHORE HOMES

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. ©99990

Say You Saw It In NORTH SHORE HOMES

(631) 751–7744

HOMEWISE

|

August 11 - 24, 2022

Page 9

Real Estate Tips And Advice

©ADOBE STOCK

Understanding Home Insulation Insulation lowers your cooling and heating costs — but how?

Home insulation slows down heat transfer from the outside during summer months, and from the inside when the weather turns cool. Here’s the way that happens.

COMMON MATERIALS Home insulation materials typically relate to the way it will be used. Bulkier insulation is needed for stop heat from moving around in open spaces like an attic.

Foam boards will trap air, while UHÁHFWLYH IRLOV DUH LGHDO IRU FRROHU climates since they redirect heat away. The most common material XVHG LV ÀEHUJODVV ZKLFK FDQ EH blown in using special machines or rolled out when attached to paper.

Insulation may also be made out of foams, wool, foils or cellulose.

HOW HEAT MOVES Conduction happens as heat moves through solid objects. In our everyday lives, you might notice the spoon — but not its handle — warming after it’s been placed in a hot bowl of soup. Convection, on

the other hand, relates to how heat passes through gasses and liquids.

(So-called air fryers take advantage of this process by moving hot air around your food.) As convection takes place, warm air will rise while cool air will sink.

YOUR R-VALUE Home insulation stands as a barrier to this process, helping control the cost of air conditioning and heating our homes. But not every area of your home needs the same protection: Attic spaces are subjected to far harsher changes in air temperature, for instance, than interior walls. That’s where the insulation material’s “R-value” comes into play. This number indicates how resistant it is to conductive heat. Adding more insulation will increase its R-value, improving your home’s defenses against heat transfer.

Your particular needs will be based on where the insulation is WR EH SODFHG DQG WKH VSHFLÀFV RI temperature, moisture and the home’s age. Your needs could also change over time, so consult a local contractor before purchasing.

GETTING AN AUDIT If you’re feeling a draft or VXŲHULQJ IURP KLJKHU HQHUJ\ bills, you likely have an issue with your home’s insulation. Contact a local professional or your power company about an energy audit.

They’re often low cost, and may be free in certain situations. They’ll examine the home, typically using calibrated equipment, and then ask certain questions about things like where you regularly set the thermostat. Follow their recommendations to lower your costs.

REAL ESTATE 101 Finding an Inspector Being new to an area makes it + -/$ 0' -'4 # - /* ‫ )ޔ‬- +0/ ' home inspector. That’s why the U.S. Federal Housing Administration # . - / # '+!0' /**' /* ‫ )ޔ‬ -/$‫ ޔ‬+-*! ..$*) '. $) 4*0- - ѵ Go to bit.ly/3IcTiS3 to search for local inspectors and their contact details. ©2022 Greenshoot Media

Page 10

(631) 751–7744

August 11 – 24, 2022

Say You Saw It In NORTH SHORE HOMES

Here you can list your home with confidence.

List your home with us 631.751.0303

Stony Brook 4 Br, 3 Ba. ranch expanded in 2006. Spectacular Waterfront Property.

Just Steps to the Stony Brook shores Private Beach (dues only $175/year). Walk out lower level, fplc., wet bar, Bedroom, and full bathperfect guest suite or possible “Space for Mom.” ML#3416363 $1,250,000

Babylon Waterfront, Colonial in Babylon Village! Completely new kitchen with open concept mainfloor, overlooks the canal and beautiful deck. New Irrigation system (9/2020).

CAC units are raised. FEMA Elevation Certificate. ML#3418552 $869,000

Port Jefferson Once in a lifetime opportunity to own the Zachariah Hawkins House, a historic home in the Village of Port Jefferson. 4 Br, 2.5 Ba. Legal Accessory Studio Apartment (gas heat) above the detached 1.5 car garage. Very Low taxes. ML#3396733 $850,000

East Setauket Rare Find! Diamond Condition 4 Bdrm 3 Ba. Ranch located in the 3 Village SD. New EIK with radiant heat flooring, spacious Fam Rm w/ fplc. family room w gas FP, updated bathrooms, CAC Mahogany Deck w Rail, Brick Patio w. Hot Tub. Too much to list.

ML#3400853 $749,000

East Setauket Your Dream Home is here! This home has been renovated with love to absolute Perfection. The kitchen, baths, flooring, windows, roof, wiring, heating and cooling, and landscaping have all been replaced. Close to SBU and Hospital, LIRR. West Meadow Beach, Avalon Park, and Greenway Trail.

ML#3417394 $675,000

Stony Brook Lovely, expanded ranch in the heart of Stony Brook! Close to West Meadow Beach and private 40 areas beach association. Wood flrs, valulted ceiling. Young windows, gas heat, Energy efficient Buderus heating system, Move right in! ML#3418580

West Babylon Bright and cheery home, 5 BRs and 2 full baths. 3 BRs on the main level with a full Jack & Jill bathroom connects to the primary bedroom and hallway. The town approved & permitted ground level apartment has 2 bedrooms, 1 full bath, full kitchen, and separate entrance.

ML#3417359 $539,000

Centereach Quality And Attention To Detail Are Clear to See In This Renovated Splanch Style Home. From The Beautifully Built Kitchen, To The Amazing Outdoor Patio and Poolside Oasis. This House Has Everything You Can Ask For And More! ML#3417600

Holtsville 3 Br, 1 Ba. Spectacular property with specimen plantings, koi ponds (2012), rear patio and serene setting. Great opportunity to get in on the ground level of a fantastic offering in the Sachem school district. ML#3418573

$675,000

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

99860

$399,500

$479,000

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(631) 751–7744

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Page 11

Here you can list your home with confidence.

List your home with us 631.928.5484

Miller Place Gated community of Scotts Beach. Formal Sun filled LR w/panoramic views of yard with patio overlooking an IGP w/waterfall and professional lighted park like grounds. Koi Pond with waterfall, Full Bsmt., Partially finished with wet bar, full bath, bed/office, large den and private OSE. ML#3408090 $1,200,000

Rocky Point Beautiful Home W/ Expansive LR, Eat In Kitchen, Family Room W/Fireplace, Four Seasons Room. 6 Spacious Bdrms, 4 Full Baths, Laundry Room, Semi In Ground Pool with Trex Decking, 2 Zone Central Air, Central Vac. Full Bsmt. 1 Car Garage, Luxurious Cabana w/Shower and full bath. ML#3400583 $999,000

Miller Place Ranch w/beautiful EIK, hwd. floors,2 FPL’s.CAC, 200 Amp Electric, 3 Car garage (1 attached and 2 detached) plus plenty of parking for up to 10-11 cars.

Also has a place to park your RV or Boat.

Anderson Windows, IGS, 2nd Master Suite. ML#3400842 $599,000

Rocky Point Perfect Mother/Daughter or investment property. Currently has two tenants (been there for years & would love to stay). Owner occupied w/a legal accessory apartment for extra income. Home is just a few blocks to Friendship beach where you can enjoy acres of prime north shore beaches.

ML#3397727 $399,000

Center Moriches Build your dream home on this beautiful waterfront property. Located on a Cul-de-sac & property lines go right into Old Creek Bay -boat right out to the Forge River & direct to Moriches Bay . Master suite on 2nd level and a Jr. Master Suite on the first level. Basement with 10” Ceilings.

ML#3405811 $1,350,000

Centereach Ranch w/ large sunroom addition and oversized Master Bedroom & Master Bath. Cathedral ceilings in Kitchen, DR & LR, CAC, IGS, Home security System, New Hot Water Heater 2017 and updated Bth. Fully fenced flat yard with paver patio great for relaxing and outside entertaining!

ML#3412907 $499,000

Coram Great Opportunity To Own This Junior One Bedroom Upper Level Unit In North Isle Village. Light and Bright LR/DR Area, 1 Bedroom w/ Plenty Of Closet Space, Efficiency Kitchen, Full Bath. Clubhouse, Outdoor Pool, Indoor Pool, 2 Gyms, Tennis, and Basketball.

ML#3418243 $139,000

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

99870

Mattituck North Fork Charm Cozy 3 Bdrm. Ranch. Eat in Kitchen/Dining Area, LR, Deck Great For Entertaining, Full Bsmt. w/Walk Out & Full Bath.

Plenty of Parking To Fit 10+ Cars.

ML#3400438 $499,000

Belle Terre Waterfront & Waterview, from this custom Contemporary home.

Unobstructed views of L.I. In-ground pool, CAC, private Master w/ new Mstr. bath. Walk-in wine cellar, storage areas abound. Steps from private Belle Terre beach. ML#3412621 $1,400,000

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August 11 – 24, 2022

Say You Saw It In NORTH SHORE HOMES

Bringing clarity to a confusing real estate market.

Our company has been servicing Long Island since 1954.

We’ve seen markets like this before.

Our 700 sales professionals have the answers you need.

List your home with us 631.331.3600

Wading River Magnificent 3560sf. 5Br, 3FBth Victorian in Desirable Meadow crest III Estates. Wraparound Porch, Grand Entry Foyer, Sunlit EIK. Formal Banquet sz Dining Rm & Great Room w/Fireplace, Over Sized Family Room.

Guest Bedroom/In Law En Suite w/FBth on Main Floor. Primary Bedroom Suite w/Walk in Closet Third Flr Wlk up attic.

FBsmnt . ML#3408746 $839,000

Coram Gorgeous 4Br, 2.5Bth Center Hall Colonial! Den/Family Rm, Formal DR, sliders/updated windows/copper sink (wet bar) Updated Custom Kitchen and Baths! New Heating System.

Country club .47 yard! Free form IGP with custom sun ledge -huge deck lower level paver patio surrounds pool fully fenced! ML##3414112 $619,900

Pt Jefferson Sta Pretty 3Br, 2FBth Colonial on Tree lined street. EIK w/ New S/S , Center Isle & Great Counter space. Updated baths. Spacious Primary Br w/2Wlk in Closet. Newer furnace & HW Heater and a natural gas generator.

Fenced, Private Wooded Yard backs preserve. Above-ground pool and a large shed. Two Storage Attics, 1 car Garage and more. ML#3411902 $485,000

Coram Spacious 4Br, 2.5Bth Center Hall Colonial with Over 2,500sf of Living Space!

Updated EIK with Beautiful Countertops and Stainless Steel Appliances. Beautiful Fenced .44 Property w/Front IGS. 2021 Siding & 2020 Roof, New Hot Water Tank, Boiler 2016. Paver Stone Walk Way, Located At The End Of A Cul-De-Sac! 1 Car Garage and more. ML#3416676 $499,900

Calverton This spacious 1565sf. 3Br, 2FBth Ranch is in Calverton Meadows, an Active 55+ Community. Open floor plan.

EIK abundance of cabinet space. Lg FLR w/picture window, FDR w/Sliders to Four seasons Florida room overlooking PVC deck to private yard. Lg Primary Br ensuite fw/Wlk in Closet. Amenities Include: Active Clubhouse. ML#3418606 $249,500

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

99880

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

Oakdale Welcome to the historic Idle Hour. This spacious, 2362sf, 6Br, 3.5Bth two story home features: 1st Floor Primary Br., vaulted cedar plank cathedral ceilings, and large first floor Entertaining space & Woodburning Stove. Possible mother daughter with proper permits. Vinyl fence and front siding less than 1 year old. Minutes from the water! ML#3414266 $720,000

Say You Saw It In NORTH SHORE HOMES

(631) 751–7744

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Page 13

HOMEWISE | ' ./ / $+. ) 1$

Do You Need Flood Insurance ?

Buying a home can be a confusing time, especially if it’s your ‫ޔ‬-./ /$( ѵ ++- $. -.Ѷ inspections, closing costs and more can leave your head .+$))$)"ѵ One thing that’s going to come up time and again is your property insurance policy. You may be surprised to learn that, with most homeowners insurance policies, floods are not covered.

THE NATIONAL FLOOD INSURANCE PROGRAM Your regular policy won’t cover flood insurance.

Instead, if you are required to have flood insurance by your lender or if you elect to cover your property on your own (more on that later), your insurer will most likely sell you a policy from the National Flood Insurance Program, or NFIP. The NFIP started in 1968 with two goals, to reduce flood damage and protect property owners. Over the years since it started, the program has paid out billions in claims and also has helped the owners of flooding-prone properties relocate to safer ground. In 2012, the Biggert-Waters Flood Insurance Reform Act authorizes the NFIP to create a national flood mapping program and implements changes to the

©ADOBE STOCK

program to guarantee fiscal soundness just seven years after Hurricane Katrina ran up a $17 billion NFIP bill and the same year Hurricane Sandy caused more than $8 billion in claims.

In 2014, another piece of legislation placed limits on flood insurance rate hikes, even as larger and more costlier storms run up astronomical claims.

HOW IT WORKS Through the NFIP, you can get insurance on a property in a flood plain that traditional insurers may not cover. A similar property not found to be in a flood zone by that extensive mapping program we talked about earlier is very inexpensive to insure, meaning that those payments cover the losses on properties more prone to flooding.

After 50 years of the NFIP, the program is work-

ing to close that insurance gap and guarantee all Americans flood coverage no matter where they live.

The program also helps local communities manage floodplains and reduce the built environment’s exposure to flooding. The program’s maps now cover 100% of the nation’s populated areas, meaning that when you buy your next home, you can see exactly what your risk of flooding is.

That risk, often expressed

as a flood zone, may mean you’re going to be a part of the NFIP whether you want to or not. Some lenders require properties in certain flood zones carry NFIP coverage to keep a loan. It’s also important to note that the program re-evaluates its maps every so often. Properties that once didn’t have to carry flood insurance may be rezoned depending on certain changes in the community, including climate change and rising sea levels.

REAL ESTATE 101 Flood Zones Flood zones are geographic areas that FEMA defines according to levels of flood risk. Flood zones starting with A are high risk and those starting with V are high risk in coastal areas. Most lenders require flood insurance on properties in Zones A and V. Zones B, X and C are moderate to low risk areas and flood insurance is available, but may not be required.

©2022 Greenshoot Media

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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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