North Shore Homes - October 3, 2022

beaches, mooring

town of Port Jefferson.

PORT JEFFERSON, NEW YORK MLS# 3438663. $795,000.

Welcome to Harbor View in Port Jefferson Village. Luxury living at gated

community with clubhouse, gym, tennis, salt water pool, plus all Port Jefferson amenities including golf at the Country Club. Situated at the end of a cul-de-sac, a driveway with parking for 4+ cars, and privacy from the deck. This pristine home is a real turn-key with lots of light, open spaces, large foyer, eat-in kitchen, dining room with door to deck, living room with gas fireplace, and split stairs to 2nd floor with primary en suite and 2 additional bedrooms sharing bath. The lower level has an outside entrance, great finished space, full bath, and lots of storage. Natural gas heating, fireplace and cooking too. A beautiful lifestyle.

Stony Brook/Port Jefferson Office

Route 25A, Stony Brook, NY

PEOPLE of the YEAR

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Each year, with our readers’ help, we honor the people who have contributed in the communities we serve.

The honorees are profiled in a special edition at the end of the year.

Nominate your choice(s) by emailing desk@tbrnewsmedia.com

Please include your name and contact information, the name and contact information of the individual you’re nominating and why he or she deserves to be a Person of the Year.

16, 2022

Increasing Your Home’s Value

Tackling these projects can you sell. Pinpoint problem areas before you decide to put your house on the market.

Restoring or updating kitchen cabinets. Redoing the bathrooms. Upgrading appliances. Even just applying a fresh coat of paint. Any of these seemingly small things might have a huge impact on the sales price you ultimately settle on for your home.

BONUS ROOM

Do you have an extra bedroom that lacks a sense of purpose? Or a larger room that might be put to better use with the smart placement of a partition? You don’t have to tear that could become a big selling point as more and more people work at home or in hybrid job situations. If you’re game for a larger project, basement, which will add usable square footage — and thus more

home equity. It doesn’t have to be areas can become reading rooms, TV-viewing areas, at-home bars or video game nooks. All of that is value added to a prospective buyer.

OPEN THE SPACE

Today’s buyers aren’t usually smaller individual rooms. Instead, they tend to like wide open spaces where family areas, eating areas and create a problem for sellers of older homes, where cooking areas were to hire a contractor to tear down a wall or two in order to achieve the open concept that sparks interest in

an island, snack counter or at-home bar area where the wall used to be to provide an added feature that might draw in a whole new set of home shoppers.

OTHER UPGRADES

Technology has transformed everything from cooking and cooling to securing our home into a one-touch app-based experience.

Upgrading your home to these remote systems will bring in techsavvy buyers who don’t want the hassle of installing all of this themselves. And how knows? You never encountered before. Take a hard look at your home’s curb thing people see when they pull up. Freshen up the paint, if needed, and replace dead or withered plants and old mulch. You can also trim back trees to provide a clearer line of sight to the front door.

101

Where to Find New Ideas

The internet is home to lots of sites devoted to renovation, remodeling and reorganizing homes. Research (and share) ideas at places like Porch.com, RetroRenovation.com

virtual home tours. Pinterest is another clearinghouse for home improvement ideas.

Comparative Market Analysis

Bringing clarity to a confusing real estate market.

company has been servicing Long Island since 1954.

Manhasset Expanded balconied col. Located in the Village of Flower Hill. Custom finishes – The home you have been waiting for. An Entertainers dream. Gourmet Kit. Marble C-Tops. No expense spared. Wood flrs. Basement. .59 acre. Close to train & schools. ML#3437575 $2,599,000

Babylon Reduced. Beautifully updated custom 4 Br. 2 Ba. hi ranch waterfront home with unbeatable views of the Great South Bay. Upgraded kit. Options for docking include the 100 ft bulkhead on the property as well as the deeded boat slip directly across the street. Nearby Argyle Park and Babylon Village.

Smithtown Limited Edition! This circa 1700’s home is filled with charm and nestled on 2.18 tranquil acres bordering Nissequogue River. Entire house and property has been completely renovated Spectacular grounds, gunite pool w/waterfall. Outdoor entertaining spaces. True taxes are another bonus at $12,530. Must be experienced firsthand!

Setauket Immaculate expanded cape in the heart of 3 Village. Oak floors, huge Sun drenched great room for entertainment. Updated Bathrooms and chic kitchen, 4 Large BR, Full Bsmnt, CAC, .41 Acre 2 level yard, Natural Gas. ML#3438967

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

Stony Brook Charming expanded Ardsley, in the “B” Section! Real wood floors in living room, New windows upstairs, roof - 10 years, 2 Skylights! Fence 3yrs old! 200 amp service, gas at the end of the street. Quiet family neighborhood in Three Village School District! ML#3438862

631.751.0303

Old Field A triumph of Contemporary design! This 3-4Bed,4.5Bath home has been carefully remodeled into a unique property. Exceptional entertaining spaces, chef’s Kit/w Center island, master suite & luxurious bath, 2 Fireplaces, deeded beach rights, culde-sac. 2.5 acres of private and tranquil property. ML#3424161 $1,895,000

Mt Sinai 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 To Be Built

Mt Sinai Beautiful Jack-O-Bean Hwd. Floors Thru out this Colonial. Full Fin. walk out bsmt. with private Gym, Family Room, Wet bar, 1/2 bath. In-ground pool w/ newer Liner/filter, new loop lock cover. Updated EIK with New SS appl., Large Mstr. w/sitting area, new Master Bath. Custom moldings through out. ML#3436173 $998,000

Old field Spacious updated 4 BR Ranch with access to private beach, HWfloors, Andersen windows, skylites, oversized 2 car garage, full basement partially finished,3V schools, close to Stony brook Univ. ML#3422211

Mt Sinai Views of Waterfront without any of the headaches of Bulkheading. Build your Dream home overlooking Mt. Sinai Harbor where you can enjoy moorng your boat, Fishing, Kayaking. Acres of beaches to walk, run or just sit back and relax. If you want to find the perfect lot to build your dream home... this is it! ML#3369323 $599,000

Smithtown Ranch 1st Fl Master Bdrm., 2nd Bedrm, Eat in Kitchen, Granite Countertops, Hardwood Floors.Home Office, Lr/Dr, Master Bath, Security System, new Windows, Private Entrance. Second lot included, sold as package, Lot size .35 taxes $832. ML#3424484

Rocky Pt Large Hi Ranch w/ 1 to 2 bedroom apartment on lower level, Perfect Mother/Daughter or income producing apt. w/proper permits. bamboo flooring, new anderson sliders to large deck. Newer Ductless AC, SS appl., Newer roof & HW heater. Oversized driveway easily fits 6 cars. Lower level has private entrance, fenced yard. ML#3433046 $529,000

Smithtown Homestead for the ages!! A 2100sq’ Ranch style home. 4 Bdrms, 2.5 Baths, large EIK, FLR, DR, Family room. Full walk-up attic, full bsmt. Separate laundry room w/utility sink & freezer. Atrium w/doors off the family room. Detached garage is oversized w/separate door leading to the yard. ML#3434770 $499,000

Rocky Pt Open Floor Plan With EIK w/Oak Cabinets and Porcelain Tile, Cozy Living Room. Master Bedroom and 3 additional Bedrooms, 2 Full Baths, Full Basement, 1 Car Garage. Sprinkler System. Backyard Features Private Deck Right Out Your Back Door. ML#3430400 $415,000

631.928.5484

Bringing clarity to a confusing real estate market.

List

home with

Pt Jefferson Quaint 3Br, 2Bth Classic in Pt Jefferson Village. Wood FPL, HW Floors, Primary Br suite w/FBth. One Car Garage. This home is zoned Residential/Office & would be a perfect Professional home office or mother/daughter with proper permits. Partial Basement. Near downtown Pt. Jeff and close to St. Charles & Mather Hospital, Stony Brook Hospital and University, LIRR & Ferry. Enjoy Port Jeff Village amenities ML#3435760 $499,900

Mt. Sinai Lovely 3Br, 2FBth Expanded Ranch in Mt. Sinai SD. Open Concept LR/ DR, Lg Updated EIK w/S/S & Granite. Sunken Family, HW Floors, Wood Burning Fpl., Primary bedroom w/En-suite Bth . Main floor laundry room, in-ground sprinklers, solar panels, newer roof (9 yrs), pull-down stairs for attic access. Lg Yard w/deck. Natural gas heating and cooking, CAC, oversized two car garage, full basement. ML#3420940 $580,000

Pt. Jefferson Celebrating West Broadway Restaurant: this one of a kind 7632sf Waterfront building in the heart of Pt. Jefferson Village. Property features monument signage, multiple points of ingress & egress, parking for over 27 vehicles and ADA accessibility. Beautiful Water Views from updated 2nd floor Full Bar and Dining Area. Sale includes main multi floor building (currently a restaurant) and two office spaces. Elevator and lift. Must See to appreciate. Bonus investment on ground level w/2seperate areas for additional income. Endless possibilities for event space rentals. Included in sale all furniture, fixtures & equipment. ML#3411927 $2,800,000

Medford Fabulous 6Br, 3FBth custom built Ranch features HW Floors, throughout most & Open Floor Plan. EIK w/Ceramic Tile & Wood Cabinets, LR w/Fpl, Dining Area, Sliders off Den to Patio. All set on ½ Acre beautifully landscaped Fenced property w/IGS. Circular driveway. Updates Include: new hot water tank, 4 zone heat, CAC. Partially finished basement with outside entrance. ML#3400423 $449,000

Route 25A,

Rocky Point Custom-built 4Br, 1.5Bth Expanded Ranch located in The Tides Beach Community w/deeded Beach Rights. Hardwood floors in all bedrooms, skylight in Kitchen, sliders to patio with retractable awning, a woodburning stove, triple fireplace in the dining room and family room. Sliders lead to Trex deck set on half-acre of private property. Large 1.5 car garage and basement. ML#3407315 $399,999

631.331.3600

Ridge Meticulously maintained 4Br, 2.5Bth Colonial w/Spacious EIK w/ Granite & Pantry. Family Rm, HW Floors, FDR. FPL, Primary Br w/FBth, Wonderful Covered porch overlooks manicured shy acre w/IGS. Circular driveway leads to two car garage. Full Basement & house alarm system. 3-year-old oil burner. ML#3437957 $575,000

has been servicing

since 1954.

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have the

you need.

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Start the process

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

Qualify for the

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before beginning your

ready to act

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The Difficulties of Borrowing

Establishing and maintaining a good credit score is essential. Borrowing can be particularly hard for those who haven’t built a sturdy history of on-time payments, or who have faced

The good news is there are established ways to creating or boosting your credit score, and that can open the door to a lot more buying power down the road.

HOW YOU’RE SCORED

A number of factors come into play when determining credit scores. The most common is your payment history, which includes a record of when you paid on time, were late or missed altogether. Credit bureaus also examine your utilization ratio, comparing the total amount of available credit with the amount you’re using at any given time. Remember that your score is based on the total amount of debt you are carrying, not just credit cards. The

long you’ve been building credit, how many recent applications you’ve made for credit and, in some cases, any issues from the past like civil judgments or bankruptcies.

STARTING FROM SCRATCH

What if you’re just starting out and have little or no credit history? Millions of consumers face this critical barrier each year, according to the Consumer Financial Protection Bureau. Young people, Black people, Hispanic people and low income borrowers are at the highest risk of this “credit invisibility.”

With no score, they may struggle to complete basic tasks like opening a bank account, signing up for a phone plan or securing a credit card, much less leasing a home or taking out a mortgage. In some cases, credit history is also taken into account during the hiring process as well. As a result, many turn to credit options with lower qualifying rules, like payday or title loans.

REBUILDING YOUR CREDIT

Lenders recommend that those who are trying to rebuild their

requires a deposit equal to the card’s limit. This will help quickly establish a credit history. Next apply for a new unsecured credit card, then making only minimal charges so that you can keep up with the payments. Keeping up with those regular bills will open the door for other lending opportunities, including gas cards or department store credit, that will help diversif y your portfolio. Consider taking out a so-called credit builder loan, which allows borrowers to make small payments to build credit.

REAL ESTATE 101

What’s In My Mortgage?

These monthly installments pay down your principal, or the balance of what was borrowed. They also address interest, taxes and insurance. (Taxes and insurance are usually calculated based on onecases, private mortgage insurance may also be part of your payment.

Updated 3 bedroom, 1.5 Bath sun filled Ranch. This

hardwood floors,

Miller

Charming mid-century Expanded Ranch offering 4 bedrooms, living room with a fireplace, formal dining room,

in kitchen and hardwood floors all set on a 100 x 110 property. While this home may need some TLC, it offers a convenient floor plan and had been well maintained.

in The Highlands at

enjoy country

style living in the

Farms and

Magnificent sunsets

of North

of

National Golf Course. Community Tennis, Heated Pool,

Colonial located on a cul-

offers a large kitchen, formal

room, large bedroom on the main floor plus a powder room.

ceilings give an airy feel.

2 story home boasts 4 bedrooms, 3 baths, walk out basement, a spacious yard and so

With multiple options this home can be a great investor property,

for a first-time home buyer

potential and is located

is a walkout with 2 car garage, full bath, pantry and laundry room,

all.

offer income potential with a legal accessory apartment with new proper permits.