North Shore Homes - April 6, 2023

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PORT JEFFERSON A private retreat, surrounded by low maintenance, hedges, this large ranch home, features 4 bedrooms, 2.5 baths, on the main oor. The newly remodeled Kitchen with quartz countertops a 10ft. island, top of the line appliances will delight the most discerning chef. Upgrades to this amazing home continue with remodeled bathrooms, Andersen windows, Pax wardrobe systems, newer oil burner, electric, air handlers, CAC and more. All Sport Court, putting green, heated in-ground pool, or soccer pitch. A fully nished basement with outside entrance with a large recreation room, pantry, sauna, work out gym, full bath, and second laundry room. Ideally located in the incorporated village of Port Je erson, seconds from the Port Je erson Country Club, you can enjoy all of the Village amenities, free parking, private beaches, discounted Country Club membership, shopping, restaurants and the award winning Schools of Port Je erson ML#3465684. O ered at $1,200,000

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, cul-de-sac. Enjoy the 2.5 acres of private and tranquil property.

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

$950,000

Miller Place Situated on over 2.6 acres of private property. Large Horse barn/ stable plus additional out buildings

Perfect for a Woodshop, horses, furniture restoration, art studio, etc. Beautiful heated 20x40 IGP, Can be subdivided to make this a family compound or sub divide to sell for a future home to be built.

ML#3465609 $849,000

Rocky Pt Renovated in 2020 Enjoy amazing Waterview’s without the headaches of bulkheading. Top of the line appliances, New Quartz Cou. tops. New Kitchen & Baths. New Roof, siding and windows, New Propane on demand Heat/Hot Water, Radiant heat through out, CAC, Large paver patio.

ML#3455285 $659,000

Stony Brook Split level with 4 bdrms. 3 bths. Newer Burner and newer above ground Oil Tank, 200 amp Electric with back up auto Generac generator. All hardwood oors, enclosed 3 season porch and a two car detached garage. Large walk up attic. Bsmt. has an inside entrance. ML#3457290 $625,000

Lake Grove 2 BR- 21/2 Bath Condo. 1st Floor Mstr. Bdrm. w/Large Bth, Beautiful kitchen. FDR, LR w/Large Windows Cathedral Ceilings, Central Air w/Humidi er, Gas Heat, Washer/Dryer, 1 Car Garage Attached. Clubhouse w/Kitchen & Billiards, Gym, Sauna.

Setauket Gated Community, The Lakes at Setauket. Spacious Dogwood end unit with extra long driveway. 2019 Renovations include new porcelain oors on the main level, white kitchen cabinets, granite countertops, SS Appl., High hat lighting, FPL, plantation shutters. Updated bths, wood rs. in all bedrooms. CAC. ML#3464414 $625,000

E Setauket Lovely Three Village Center Hall Colonial with 4+ bedrooms, 3+ full baths, newer roof, hwd. ooring, gas heat and cooking, nished basement, CAC and 2 MiniSplit systems for basement and two car garage. Beautiful wood deck o the EIK to a private fully fenced yard. ML#*1416373 $599,000

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Rocky Point This is a 3/4 Bedroom home which has an upstairs with a large open room that could be an upstairs den/4th bedroom or large o ce. Gleaming oak hardwood oors thru out. Newer W/D, 2019 Roof, Anderson windows, High hats. Large corner lot, 200 amp electic.

ML#3463272 $525,000

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The number one brokerage in New York

Miller Place Lovely 3Br, 2FBth Cape w/ Legal Accessory Apt & Deeded Beach Rights. Updated EIK w/Granite, HW Floors, Gas Fpl, Full Un nished Bsmnt, Washer/Dryer in Apt. included. Nice rear Deck on .21 prop. w/IGS. CAC on Main level, 2 AC Units on 2nd Flr. 2 Stair lifts included. Updated Roof. Newer Driveway, Walkway & Stoop ML#3464878 $569,900

Baiting Hollow : Breathtaking Sunsets from this Gorgeous Unique 3Br, 1 FBth Home nestled in Desirable Woodcli Park Beachfront Community. Designed to look like a ship. Fabulous New Kitchen & Bth. Vaulted Ceilings & Skylights, Sunlight Galore. Spacious upper loft. Outside Deck w/Fire pit & Covered Dining Area. Shed. Just Steps from the Water. ML#3464162 $145,000

Nesconset Don’t miss this 3Br 1.5Bth Ranch/EIK, HW Floors, Den/Family Rm, Half Bth o Master. Lg Living Rm, New Heating System, Updated 200 Amp Elec. Interior and Ext Ent to Full Basement. Last Home on dead end, w/adjacent lot. /Possible subdivision w/Town approval. ML#3464806 $499,000

Pt. Je erson Station Newly renovated 8 Rm, 5Br, 3.5Bth Farm Ranch. Eat in Kitchen, State of the Art Bths w/Kohler Fixtures. Sliding Glass Shower Doors, All new Flooring, Ceramic, Vinyl and Carpet. 1st Floor Primary Br. w/Bth, Cathedral Ceilings, LR/DR. New Washer Dryer, Updated Heating System & Anderson Windows. French Slider to Fully Fenced .35 yard. ML#3456092 $649,900

Wading River Newly Renovated 5Br, 5.5Bth 1840’s Farmhouse on shy 3 acres, surrounded by 100+ acre nature preserve. The Main House retains original features: a 9ft wide x 5ft high red brick FPL with Dutch Oven. Gunite Saltwater Pool w/Whirlpool, new patio w/custom gazebo. The 4 Stable Horse Barn boasts 2 separate fenced paddocks. SWR Schools! And guest cottage too. ML#3454411 $1,999,000

Wading River Fully Renovated 2 Br, 2FBth Guest House on 2.6+ Acre Compound surrounded by Nature Preserve. Full Kitchen, Dining Area & Laundry. The perfect Summer Retreat. Easy access to North Fork Wineries, The Hamptons & Manhattan. ML#3462293 Memorial Day – Labor Day at $35,000.00. June: $8,000. July: $12,000. July – Aug: $28,000, Aug-Labor Day: $16,000.

Your Finance Options

It’s never been easier to determine if you can get a loan – but which one?

Online platforms allow us to check credit scores at a moment’s notice, while providing real time information about your debt load and savings. Together, they tell us whether we’re in good position to buy, and what our spending range should be.

But what kind of loan should you pursue? There’s not necessarily a technology based answer to that question, which is why talking to a trusted financial advisor is a good idea. They can walk you through the available options, taking into account the entire financial picture.

In the meantime, here’s a look at what you’ll need and some possible loan options to explore:

BEFORE YOU GO

Local lenders will create a

customized plan based on your income, credit score and down payment amount. But you’ll needed certain things before setting a meeting to get the real estate loan process underway. They will require income and tax information for the last two years, along with verification of debts and assets. The lending institution will also run a credit check to make sure you can qualify, and discuss any special programs they may offer. Discuss the different types of available loans, including local, state and federal options.

CONVENTIONAL LOANS

Convention loans are available for those who can pay 20 percent or more of the property’s value as a down payment. They loans typically cover a 30-year span, though there are shorter time lines available for those who qualify. What if you can’t meet that 20 percent down threshold? You may still qualify for a conventional loan, but you’ll have to

add on additional private mortgage insurance (or PMI) for a period of time over the life of the loan.

VA OPTIONS

Veterans, those who are current serving and military spouses are eligible for home loans through the Department of Veterans Affairs that are guaranteed by the federal government. These loans typically come with the additional benefit of lower interest rates. They also offer lower down-payment options – or sometimes don’t require any down payment at all. You also won’t be required to add on PMI.

FHA LOANS

Those with lower credit scores or less savings can qualify for Federal Housing Administration program mortgages. The U.S. government insures and regulates these loans. Borrowers must still meet specific income requirements, but they allow for a down payment that is much, much lower.

Coram $489,990

Great, large, highly desirable “Jamestown Ranch” in the famed W-section, within the Middle Country school district. This freshly painted 4-bedroom ranch is move in ready. Nice large flat.43-acre property. Newer furnace, 1 year old roof and gutters. 2 yr old washer/dryer. Sewers and IGS. Just needs the new homeowner’s added touches to make their own. Don’t miss this one!

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What Influences A Home’s Value?

8 critical factors:

➊ Neighborhood comps

➋ Location

➌ Home size and usable space

➍ Age and condition

➎ Upgrades and updates

➏ The local market

➐ Economic indicators

➑ Interest rates

Stony Brook | $999,000 | Web # 3466103

Stunning Highland Estates Colonial. Beautiful, spacious rooms and a perfect backyard oasis.

Setauket | $899,000 | Web # 3467610

Diamond Colonial in the historic district. Updated throughout, spacious and welcoming with a casual elegance that feels like home, nestled in a serene, park-like setting.

Mount Sinai | $899,000 | Web # 3467247

Coming Soon. Diamond Post Modern set on a stunning .38 acre property featuring professional landscaping and sparkling free – form in ground pool. More photos will be available soon.

Mount Sinai | $649,999 | Web # 3466750

Stately Colonial with a lovey updated kitchen, warm welcoming living room and spacious bedrooms. You will love entertaining in the large, .58 acre yard featuring a free form, in ground pool.

Mount Sinai | $569,000 | Web # 3463918

Welcome Home! Move in ready Ranch with an attached 2 car and detached 3 car garages. A collector’s dream. This home boasts a spacious living room and cozy den with a fireplace, plus a huge yard for entertaining.

Ronkonkoma | $459,000 | Web # 3467086

Beautifully renovated diamond Ranch. The well-appointed kitchen offers granite counters and radiant heating. The main level offers hardwood floors and 3 spacious bedrooms, plus an amazing, finished basement and huge yard.

elliman.com

110 WALT WHITMAN RD, HUNTINGTON STA, NY, 11746. 631.549.7401 © 2022

ALEXIA

Selling Your First Home

There are lots of memories tied up in these special places.

If you want to get on with your next exciting adventure as a soon as possible, you’ll need to follow certain agreed upon recommendations.

Selling quickly often comes down to the way you present the home, and how it’s presented. You don’t want too much of your own family history on display, since buyers need to picture themselves there. You also don’t want them tripping over the clutter of your past.

Sell your first home quickly by following these simple steps:

PHOTO SHOWCASING

Most real estate transactions begin with a web browser these days, so make sure you have a series of photos posted that showcase the property in all its glory. Local Realtors sometimes handle these

duties, or you may choose to hire a professional in order to take your listing to the next level. Create a budget for this expense, as you would any other, so that you don’t end up paying more than you can afford for the service. If priced right, this behind the scenes choice could be well worth the investment. Look for those who have a long history with real estate shoots, since they are so different than many other forms of photography. They’ll help others see your first house just as you do.

STAGING YOUR PLACE

Lighting and staging can make a huge difference, not just with your online presence but also during in person showings. Arrange things in such a way that your first home looks like a place that would accommodate the next loving family. Give everything a deep cleaning, even if that means

allocating additional funds again for a pro. Ask for multiple quotes to find a service that fits your needs – and your budget. Consider storing some furniture off site in order to open up the space.

THE LITTLE THINGS

You want to depersonalize the property, so make sure it’s not dominated by family focused images, vacation shots and school photos. This can be an emotional experience, but it’s important in helping potential buyers envision their own lives in a new home. At the same time, make sure that you don’t go overboard with putting things away when it comes to decor. Cute knick-knacks, lively plants and attractive decorative items will underscore your first home’s innate charm. Balancing a clean and neat look with a lived-in approachability is a key element in a quick sale.

5 BD 5 BA 1 HB | 6,000 SF | $4,999,000

A unique opportunity awaits you to build your new luxury home on a cul-de-sac and bordering a private beach on the North Shore of Long Island. Turn this land into your dream destination with the allure of Nissequogue Village with majestic homes, water views and desired privacy. Customize your incomparable luxury build with custom architectural design and millwork with three levels of dramatic detailed amenities, circular staircase, walk-out lower level, and a chic Hampton style feel. Spectacular seasonal water views of the Long Island Sound and direct access to a beach. This to be built residence is situated on a 2 plus acres in an exclusive waterfront neighborhood often referred to as a hidden gem and a Hampton’s alternative.

Should You Buy or Build?

Finding the perfect house might just mean constructing your own.

Just remember that there are unique challenges associated with these huge projects, including upfront costs, maintenance and an understanding of how the property will appreciate.

You’ll have to become an expert on a broad range of elements involved with this multi-level process, or hire someone you trust to oversee it all. Budgeting beforehand, as always, will be key:

UPFRONT COSTS

House hunting so often involves accepting that a property might have some of the amenities that you want, but not all of them.

You can solve this inherent issue by building your own home, ensuring that every detail fits your vision.

The upfront costs, however, are steep. You’ll have to buy materials

and hire workers, long before you’ll have a chance to enjoy the space.

But existing homes already run in the hundreds of thou-sands of dollars, while constructing your own home allows you to control costs –absent any outside issues.

Cost per square foot tends to be market based, so study how much new builds cost in your area in order set a reasonable budget.

MAINTENANCE AND BILLS

Constructing a new home provides you the opportunity to preselect appliances, HVAC components, water heaters and fixtures with an eye on quality. Older or cheaper builder grade models are more prone to breakdowns, increasing your costs over the long run. Quality made new items won’t need to be repaired or replaced any time soon, and if they were to break down for some reason would remain under warranty.

Older homes are susceptible to

higher energy bills because they may not be built to modern specs or include energy-smart appliances. Well sealed new builds use about 20 percent less energy for heating and cooling than older homes, according to Realtor.com. You’d again have a large upfront cost with installation, but would be able to recoup those expenditures over the years through lower electricity bills.

HOME APPRECIATION

Construction typically takes place in newer neighborhoods, and this can make it difficult to determine appreciation. You simply won’t know if these homes will hold or increase their value over the years. Styles change too, so what looks hip and smart today in a new build might not be in fashion decades down the road. Older homes have a natural advantage in this regard, unless you are able to build in established areas and choose a classic design approach.

Happy Spring! It’s the perfect time of year for Spring Cleaning, decluttering, and re-organizing. While daffodils are bursting and trees are budding, it’s time to reassess your housing needs and make your dreams come true. Call Miriam, your trusted real estate advisor, and she will help you every step of the way through the buying or selling process.

Circle of Excellence c.631.988.9200 miriamainbinder@danielgale.com

The number one brokerage in New York

Nissequogue Magni cent Col w/ Country Club yard, 2.04 acres, cul-desac. Meticulously renovated over the years. Co ered ceilings. Hdwd rs. LR w/fplc. Renovated Kit. 6 Burner Viking Stove. A Guest Br w/ensuite. Finished basement w/2 separate gym spaces, entertainment area, o ce, full bath. Too much to list! ML#3446425 $2,699,000

East Setauket Commercial. Excellent Investment or Owner Occupied Opportunity! Award Winning, Free Standing 5800 sq ft Professional O ce/Medical Building. O 25A. Ample Parking. Minutes to Stony Brook Univ. & Hospital, JT Mather Hospital, St. Charles Hospital. Low Maintenance. Close to Major Highways. ML#3456980 $2,500,000

Stony Brook Beautiful 5 BR 3 BA Stony Brook home located in the Soundview Beach Association. Private beach w/ pavilion for parties/baseball eld/ 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#3456360

$799,999

Port Je erson Beautiful home in a tranquil setting o ers an amazing lifestyle opportunity featuring all Port Je erson Village amenities. Home’s exterior renovated 2018. 5 Br, 3Ba. Oak rs throughout. Updated baths. Primary Br with en-suite bath, WIC., New furnace 2021. Full un nished. basement 2 Car garage. ML#3462521 $689,000.

Lake Grove Resort Style Living in 55+ Gated Community! 2 BR- 21/2 Bath Condo. Has It All. CAC, 1 Car Gar. Spacious EIK. Outdoor Patio w/ Retractable Awning. Cathedral Ceilings. Award Winning Clubhouse. Close to Shopping. Pets Allowed! For Info. Call Port Je erson O ce 631-928-5484 ML#3454082 $625,000

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East Setauket Limited edition Gloucester model. This 3br, 2.5 bath lakefront unit is sun- lled and special. Beautifully renovated eat-in-kitchen w/ Granite CT. LR w/lake views, gas fplc. 2 renovated baths. Primary bedroom w/en-suite bath. 2nd . Laundry. Clubhouse/gym/sauna, pool. Close to all. ML#3461564 $615,000