Cape Cod home in Sag Harbor, NY
Set in Sag Harbor, NY, this Cape Cod home provides 4 bedrooms and 3 bathrooms. Its Cape Cod character defines the property's look.
| Price | $2,350,000 |
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| Beds | 4 |
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| Baths | 3 |
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| Architectural style | Cape Cod (87% match) |
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| Address | 348 Ferry Rd, Sag Harbor, NY 11963 |
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Why buy this home
- Confirmed Cape Cod architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced below comparable homes.
- At $2.4M, this home is 32% below the $3.5M median for 108 similar Cape Cod homes in Sag Harbor, NY.
- On the market 415 days, which is a long time; sellers are often flexible at this point.
No square footage is listed, so the per-square-foot comparison is not available. Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $17,113/month with 20% down at a 7.28% 30-year fixed rate. You would need about $733,405 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $12,863/mo |
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| Property tax (new-buyer reassessed rate) | $3,368/mo |
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| Homeowners insurance | $881/mo |
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| Total monthly | $17,113/mo |
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| Down payment (20%) | $470,000 |
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| Income needed | $733,405/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home B- (68 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | B- (68/100) |
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| Beats renting in | 29% of modeled paths |
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| Modeled 5-yr equity (median) | $1,136,023 |
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| Range (10th to 90th pct) | $671,858 to $1,695,246 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward US where local data is thin.
Local home values
Typical home values in United States have risen about 20% over the past 5 years (+1% in the last year), per the Zillow Home Value Index. This reflects the national market, not this specific home.
View this home on Zillow