Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$442,531$503 / 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 91How 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 $420,000 on Aug 21, 2025

409 LOCUST DR

ROCKY POINT, NY 11778
2
Beds
2
Baths
880 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1942
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$443K
$402K low$483K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$420,000 · Aug 21, 2025
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.$93,931
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$75,145
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.79%
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.$336,000
M & T BANK · P · recorded Aug 21, 2025
2nd 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.$12,600
M & T BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,790 (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.$1,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$354,167

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.Cape Cod
CountySUFFOLK
Lot (acres)The size of the land the home sits on, from county records.0.23
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(1)

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 · 1.6 mi
H
Rocky Point High SchoolA
High · Grades 9–12 · 1.6 mi
E
Frank J. Carasiti Elementary School
Elementary · Grades KG–2 · 1.7 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

409 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 94% of homes in Suffolk County
  • Costs more per square foot than 83% of homes in Rocky Point 11778
  • Smaller than 94% of homes in Suffolk County
  • Older than 91% of homes in Suffolk County

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
$346K$1.2M

This home is worth more than 20% 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$442,531
CheaperTypical $532,654Pricier

Pricier than 20% of homes nearby

Price per ft²$503
CheaperTypical $377Pricier

Pricier than 83% of homes nearby

Living area880 ft²
SmallerTypical 1,395 ft²Bigger

Bigger than 15% of homes nearby

Lot size0.23 ac
SmallerTypical 0.23 acBigger

Bigger than 57% of homes nearby

Year built1942
OlderTypical 1962Newer

Newer than 27% of homes nearby

How 409 Locust Dr ranks against every home in each area.
MeasureThis homeRocky Point 11778Suffolk County
Estimated valuepricier than$442,53120% of homes6% of homes
Price per ft²pricier than$50383% of homes72% of homes
Living areabigger than880 ft²15% of homes6% of homes
Lot sizebigger than0.23 ac57% of homes38% of homes
Year builtnewer than194227% of homes9% of homes

About 409 Locust Dr

How much is 409 Locust Dr, Rocky Point, NY worth?

The TopHap Estimate for 409 Locust Dr, Rocky Point, NY is $442,531 as of Jul 14, 2026. The likely range is $402,199 to $482,863. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 409 Locust Dr, Rocky Point, NY last sell?

409 Locust Dr, Rocky Point, NY last sold on Aug 21, 2025 for $420,000, according to the county's recorded deed.

How big is 409 Locust Dr, Rocky Point, NY?

409 Locust Dr, Rocky Point, NY has 2 bedrooms, 2 bathrooms, 880 square feet of living space and a 0.23-acre lot.

When was 409 Locust Dr, Rocky Point, NY built?

409 Locust Dr, Rocky Point, NY was built in 1942, making it 84 years old. It is a cape cod home. The building has 1 story.

What schools serve 409 Locust Dr, Rocky Point, NY?

409 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 409 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 20% of them ($442,531 against a typical $532,654), its price per square foot is higher than 83% of them ($503 against a typical $377), it is bigger than 15% of them (880 ft² against a typical 1,395 ft²), its lot is bigger than 57% of them (0.23 ac against a typical 0.23 ac) and it is newer than 27% of them (1942 against a typical 1962). Measured against all of Suffolk County, it is worth more than 6% 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 409 Locust Dr, Rocky Point, NY?

The 2024 property tax bill for 409 Locust Dr, Rocky Point, NY was $6,790. The county assessed it at $1,700.

Closest homes

More homes in Rocky Point 11778

Assigned schools

Explore the area

See this home in context

Open 409 Locust Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map