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Single Family ResidenceResidential
$576,317$241 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $520,000 on Oct 30, 2024

320 LOCUST DR

ROCKY POINT, NY 11778
5
Beds
3
Baths
2,392 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.28 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$576K
$501K low$652K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$520,000 · Oct 30, 2024
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$108,317
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$86,654
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.81%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$468,000
HOMEBRIDGE FINANCIAL SERVICES INC · P · recorded Oct 30, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,464 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$2,450 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$240
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$2,210
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$510,417

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.17 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountySUFFOLK
Lot (acres)The size of the land the home sits on, from county records.0.28
HeatingThe type of heating system in the home.Radiant
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.Waterfront

Transaction History(8)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Rocky Point Middle SchoolD-
Middle · Grades 6–8 · 1.3 mi
H
Rocky Point High SchoolA
High · Grades 9–12 · 1.3 mi
E
Frank J. Carasiti Elementary School
Elementary · Grades KG–2 · 1.4 mi

District: Rocky Point Union Free School District

Neighborhood · ZIP 11778These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.81
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.108
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.60

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.12,882
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,613 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$108,349
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$141,180
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

320 Locust Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 77% of homes in Suffolk County
  • Costs less per square foot than 98% of homes in Suffolk County
  • Bigger than 91% of homes in Rocky Point 11778
  • Has a bigger lot than 66% of homes in Rocky Point 11778
  • Newer than 84% of homes in Rocky Point 11778

What homes are worth in Rocky Point 11778

Each bar is how many homes fall in that price range. The marker is this home.

This home
$351K$1.3M

This home is worth more than 63% of homes in Rocky Point 11778.

How it measures up in Rocky Point 11778

The dot is this home. The mark in the middle is the typical home in Rocky Point 11778.

Estimated value$576,317
CheaperTypical $533,617Pricier

Pricier than 63% of homes nearby

Price per ft²$241
CheaperTypical $378Pricier

Pricier than 3% of homes nearby

Living area2,392 ft²
SmallerTypical 1,394 ft²Bigger

Bigger than 91% of homes nearby

Lot size0.28 ac
SmallerTypical 0.23 acBigger

Bigger than 66% of homes nearby

Year built1987
OlderTypical 1962Newer

Newer than 84% of homes nearby

How 320 Locust Dr ranks against every home in each area.
MeasureThis homeRocky Point 11778Suffolk County
Estimated valuepricier than$576,31763% of homes23% of homes
Price per ft²pricier than$2413% of homes2% of homes
Living areabigger than2,392 ft²91% of homes81% of homes
Lot sizebigger than0.28 ac66% of homes52% of homes
Year builtnewer than198784% of homes71% of homes

About 320 Locust Dr

How much is 320 Locust Dr, Rocky Point, NY worth?

The TopHap Estimate for 320 Locust Dr, Rocky Point, NY is $576,317 as of Jul 14, 2026. The likely range is $500,925 to $651,709. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 320 Locust Dr, Rocky Point, NY last sell?

320 Locust Dr, Rocky Point, NY last sold on Oct 30, 2024 for $520,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 320 Locust Dr, Rocky Point, NY?

320 Locust Dr, Rocky Point, NY has 5 bedrooms, 3 bathrooms, 2,392 square feet of living space and a 0.28-acre lot.

When was 320 Locust Dr, Rocky Point, NY built?

320 Locust Dr, Rocky Point, NY was built in 1987, making it 39 years old. It is a ranch home. The building has 1 story.

What schools serve 320 Locust Dr, Rocky Point, NY?

320 Locust Dr, Rocky Point, NY is assigned to Rocky Point Middle School (middle), rated D-; Rocky Point High School (high), rated A; Frank J. Carasiti Elementary School (elementary). All sit in Rocky Point Union Free School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 320 Locust Dr, Rocky Point, NY compare to other homes in Rocky Point 11778?

Among the 4,920 homes in Rocky Point 11778, it is worth more than 63% of them ($576,317 against a typical $533,617), its price per square foot is higher than 3% of them ($241 against a typical $378), it is bigger than 91% of them (2,392 ft² against a typical 1,394 ft²), its lot is bigger than 66% of them (0.28 ac against a typical 0.23 ac) and it is newer than 84% of them (1987 against a typical 1962). Measured against all of Suffolk County, it is worth more than 23% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 320 Locust Dr, Rocky Point, NY?

The 2024 property tax bill for 320 Locust Dr, Rocky Point, NY was $11,464. The county assessed it at $2,450.

Closest homes

More homes in Rocky Point 11778

Assigned schools

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