97 Aspatuck Rd · Westhampton Beach, NY 11978

$6,250,000

6 bd · 6.5 ba · 6,300 sqft · Land · 1 Days on market

Built 2026 0.67 ac lot

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Schools +6.6/10.0
• Cash flow +3.7/30.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +0.0/10.0
• DSCR +0.0/10.0

Listing remarks MLS

A Masterpiece of Modern Luxury in Westhampton Beach – Completion May 2026 Introducing an extraordinary new construction in Westhampton Beach, where timeless design meets state-of-the-art living. This bespoke residence, spanning approximately 6,400 square feet, is a true showcase of craftsmanship, scale, and sophistication—designed for the most discerning buyer. Bathed in natural light, the home offers an expansive, open-concept layout with 11 foot ceiling in main living areas. 6 beautifully appointed bedrooms, each with its own private en-suite bath and trayed 12-14 ft high ceilings, complemented by an elegant powder room for guests. All 7 bathrooms are outfitted with custom tile, high-end fixtures and illuminated mirrors. At the heart of the home, a stunning chef’s kitchen is curated with custom white oak details and outfitted with premier appliances by Sub-Zero, Wolf, and Bosch. Refrigeration includes refrigerator/freezer as well as refrigerated drawer units. 2 dishwashers, stove with 6 burners and griddle, wall oven and microwave drawer. Cabinet detail galore, cutlery divides, vertical divides, deep pot drawers, multiple trash cabinets. A fully equipped butler’s pantry with wine refrigeration and ice maker. Multiple custom pantries for all the supplies needed for your family and entertaining needs. Sun drenched den with entire walls of glass overlooking your backyard paradise with high ceilings and gas fireplace with custom mantel, living room space and formal dining room. Every element has been carefully considered, including: • Two full laundry rooms for effortless living equipped with LG washers and dryers. • Bespoke, furniture-grade custom closets in primary bedroom and pantries. • Every closet has a customized closet system. • Refined architectural detailing and premium finishes at every turn • Emtek hardware throughout • Name brand plumbing fixtures • Custom shower doors with matching hardware • Two car garage with automated openers. Step outside to your private resort-style retreat, where a 20x40 Gunite pool is enhanced with a saltwater system, integrated heating, advanced Pentax filtration, and a fully automated control system, all complemented by an automatic cover. This well thought out detailed home offers electronics that everyone hopes for. Alarm system, 10 pair of quality speakers. Pre-wired for sound system, cable, TV, internet with 5 WiFi access points, security cameras The grounds are masterfully landscaped by a renowned design firm, creating a secluded oasis with curated plantings, mature screening, and an elevated sense of privacy. The second-floor primary suite is a sanctuary unto itself, featuring a private balcony overlooking the serene backyard—perfect for morning coffee or evening relaxation. Master suite offers a custom coffee station with refrigerated drawers to keep your beverages cold for those beautiful warm summers, refreshments after a work-out or just to relax and admire your own piece of paradise. The master bathroom is equipped with an oversized shower, a soaking tub and two showers heads. Additionally, the home offers a rare opportunity to create up to 2,800 square feet of lower-level living space, with soaring 10-foot ceilings and a wide-open footprint made possible by superior steel construction—ideal for a wellness spa, theater, golf simulator or bespoke entertaining level. This is more than a home-it is a statement of lifestyle, luxury, and location in one of the Hamptons’ most coveted enclaves. Westhampton Beach is a premier Hamptons Village known for its pristine white sandy Atlantic Ocean beaches of Cupsogue Beach County Park, Pike’s Beach, and Rogers Beach. The village also provides direct access to Moriches Bay which is ideal for swimming, surfing, and boating. The key to unlock your Westhampton Beach home is ready and waiting for you today!

Key facts

• New construction
• Primary suite
• Butler's pantry

Tags

• NEW CONSTRUCTION
• OPEN-CONCEPT MAIN LEVEL
• CHEF'S KITCHEN
• BUTLER'S PANTRY
• WALK-IN FOOD PANTRY
• PRIMARY SUITE

Property features AI

Exterior

• Parking: Driveway; Attached garage with garage door opener; Two garage spaces
• Utilities: Electricity connected (PSEG); Propane; Water connected; Private trash collection; Septic tank
• Home design: Single-family residence; New construction; Two levels; Living area reported from plans
• Construction: Frame construction
• Exterior features: Balcony; In-ground private salt-water pool with cover

Interior

• Kitchen: Dishwasher; Gas cooktop; Electric oven; Microwave; Refrigerator; Freezer; Exhaust fan; ENERGY STAR qualified appliances
• Bedrooms: Multiple bedrooms across two levels (total rooms: 14)
• Flooring: Wood flooring
• Bathrooms: Six full bathrooms; One half bathroom
• Heating & cooling: Propane heating; Central air conditioning; Gas fireplace
• Interior features: First-floor bedroom; First-floor full bath; Beamed ceilings; Breakfast bar; Built-in features; Central vacuum; Chef's kitchen; Eat-in kitchen; Formal dining room; High ceilings; His-and-hers closets; Kitchen island; Open floorplan; Open kitchen; Pantry; Primary bathroom; Quartz/quartzite counters; Sound system with speakers; Walk-in closet(s); Wet bar; Wired for sound; Basement access (full, walk-out)
• Laundry & utility: Washer; Dryer; Laundry in multiple locations

🏗️ New construction. The $6,250,000 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $4,900,424.

What this means for you Summary

Snapshot

• This is a 6-bed/6.5-bath land listed at $6.25M.

Deal economics

• At list price, monthly cash flow is $-14k ($-172k/yr) — negative.
• To cash-flow at today's rent, offer at most $2.82M (54.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $2.47M (60.5% below list).
• Recommended offer: $2.47M (60.5% below list) — sets the bar for 1% rule.
• Cap rate 2.8% vs local median 9.3% in Westhampton Beach — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 64/100 on livability (#740 in NY) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+; Watch: amenities F, commute F, cost of living F.
• Westhampton Beach Union Free School District (suburban): math 72% / reading 75% proficiency, ranked #81 of 590 in NY (top 14%) — strong family-tenant draw, lease renewals of 3-5y typical.
• Zoned schools: Westhampton Beach Elementary School (math 67% / reading 67%, grade B+, #525 of 2,108 statewide, top 27%, 356 students, 43% FRL); Westhampton Middle School (math 61% / reading 63%, grade B+, #136 of 729 statewide, top 20%, 434 students, 26% FRL); Westhampton Beach Senior High School (math 90% / reading 96%, grade A+, #147 of 1,100 statewide, top 14%, 964 students, 24% FRL).
• Market conditions: 112 active listings in the ZIP; 1 comparable units currently listed for rent nearby; high-income renter base; 1,366 units permitted in Suffolk County in 2024 (216 in 5+ unit buildings).
• At $24,682/mo this rent would consume 237% of the median local household income ($125k/yr) (locally 43% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $524k of equity ($34k loan paydown + $490k appreciation (10.0% local appreciation)).
• Suffolk County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• By year 2, paydown + projected appreciation supports a ~$842k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $1.15M; list at $6.25M implies a 443% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y — expect insurance premiums to compound above CPI over the hold.

Recommended offer $2,468,182 (60.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.50% ✗
• Cap rate: 2.77%
• Cash-on-cash: -12.56%
• DSCR: 0.44
• GRM: 16.5

CMA / ARV

• ARV (median comp): $4,900,424
• List price: $6,250,000
• Delta: 27.54%
• Verdict: OVERPRICED
• Comps: 17 within 1.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 15.5%
• Equity multiple: 2.28×
• Total profit: $1,754,225
• Equity at exit: $4,414,690

10-year hold

• IRR: 15.1%
• Equity multiple: 5.29×
• Total profit: $5,886,232
• Equity at exit: $9,520,445

Cash invested: $1,372,119 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 15 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City: — inherits STATE

NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.

Methodology + full state rankings →

ZIP-level market 11978

• Home prices YoY: 2.9%
• Active inventory: 112
• Price-to-rent: 21.1×

Monthly cashflow live

• Estimated rent: $24,682 medium
• Mortgage (P&I): −$25,698
• Tax est. 1.5%: −$6,126 /mo · $73,506/yr
• Insurance: −$2,042
• HOA: −$0
• Vacancy / Maint / Mgmt: −$5,183
• Net cashflow: $-14,367

Break-even live

Break-even rent $42,868

Max offer price $2,821,483

Occupancy floor —

Sensitivity live

Price	-10% $-10,981	-5% $-12,674	+0% $-14,367	+5% $-16,060	+10% $-17,754
Rent	-10% $-16,317	-5% $-15,342	+0% $-14,367	+5% $-13,392	+10% $-12,417
Rate	-1.0pp $-11,899	-0.5pp $-13,121	base $-14,367	+0.5pp $-15,637	+1.0pp $-16,929

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $1,225,106
• Closing costs: $147,013
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
102 Dune Rd Westhampton Beach, NY	6.0	6.5	5297	$40,000	$7.55	26d	1	1.40mi

Listing history 13 events

1. 2026-06-13
   statusdays on marketlisting id $6,250,000 Pending 1 DOM

   Show marketing remark (4060 chars)

   A Masterpiece of Modern Luxury in Westhampton Beach – Completion May 2026 Introducing an extraordinary new construction in Westhampton Beach, where timeless design meets state-of-the-art living. This bespoke residence, spanning approximately 6,400 square feet, is a true showcase of craftsmanship, scale, and sophistication—designed for the most discerning buyer. Bathed in natural light, the home offers an expansive, open-concept layout with 11 foot ceiling in main living areas. 6 beautifully appointed bedrooms, each with its own private en-suite bath and trayed 12-14 ft high ceilings, complemented by an elegant powder room for guests. All 7 bathrooms are outfitted with custom tile, high-end fixtures and illuminated mirrors. At the heart of the home, a stunning chef’s kitchen is curated with custom white oak details and outfitted with premier appliances by Sub-Zero, Wolf, and Bosch. Refrigeration includes refrigerator/freezer as well as refrigerated drawer units. 2 dishwashers, stove with 6 burners and griddle, wall oven and microwave drawer. Cabinet detail galore, cutlery divides, vertical divides, deep pot drawers, multiple trash cabinets. A fully equipped butler’s pantry with wine refrigeration and ice maker. Multiple custom pantries for all the supplies needed for your family and entertaining needs. Sun drenched den with entire walls of glass overlooking your backyard paradise with high ceilings and gas fireplace with custom mantel, living room space and formal dining room. Every element has been carefully considered, including: • Two full laundry rooms for effortless living equipped with LG washers and dryers. • Bespoke, furniture-grade custom closets in primary bedroom and pantries. • Every closet has a customized closet system. • Refined architectural detailing and premium finishes at every turn • Emtek hardware throughout • Name brand plumbing fixtures • Custom shower doors with matching hardware • Two car garage with automated openers. Step outside to your private resort-style retreat, where a 20x40 Gunite pool is enhanced with a saltwater system, integrated heating, advanced Pentax filtration, and a fully automated control system, all complemented by an automatic cover. This well thought out detailed home offers electronics that everyone hopes for. Alarm system, 10 pair of quality speakers. Pre-wired for sound system, cable, TV, internet with 5 WiFi access points, security cameras The grounds are masterfully landscaped by a renowned design firm, creating a secluded oasis with curated plantings, mature screening, and an elevated sense of privacy. The second-floor primary suite is a sanctuary unto itself, featuring a private balcony overlooking the serene backyard—perfect for morning coffee or evening relaxation. Master suite offers a custom coffee station with refrigerated drawers to keep your beverages cold for those beautiful warm summers, refreshments after a work-out or just to relax and admire your own piece of paradise. The master bathroom is equipped with an oversized shower, a soaking tub and two showers heads. Additionally, the home offers a rare opportunity to create up to 2,800 square feet of lower-level living space, with soaring 10-foot ceilings and a wide-open footprint made possible by superior steel construction—ideal for a wellness spa, theater, golf simulator or bespoke entertaining level. This is more than a home-it is a statement of lifestyle, luxury, and location in one of the Hamptons’ most coveted enclaves. Westhampton Beach is a premier Hamptons Village known for its pristine white sandy Atlantic Ocean beaches of Cupsogue Beach County Park, Pike’s Beach, and Rogers Beach. The village also provides direct access to Moriches Bay which is ideal for swimming, surfing, and boating. The key to unlock your Westhampton Beach home is ready and waiting for you today!

2. 2026-06-09
   days on market $6,250,000 Active 56 DOM
3. 2026-06-08
   days on market $6,250,000 Active 55 DOM
4. 2026-06-07
   days on market $6,250,000 Active 54 DOM
5. 2026-06-04
   days on market $6,250,000 Active 51 DOM
6. 2026-06-03
   days on market $6,250,000 Active 50 DOM
7. 2026-06-02
   days on market $6,250,000 Active 49 DOM
8. 2026-06-01
   days on market $6,250,000 Active 48 DOM
9. 2026-05-31
   days on market $6,250,000 Active 47 DOM
10. 2026-04-14
    listed $6,250,000 Active 4060-char remark

    Show marketing remark (4060 chars)

    A Masterpiece of Modern Luxury in Westhampton Beach – Completion May 2026 Introducing an extraordinary new construction in Westhampton Beach, where timeless design meets state-of-the-art living. This bespoke residence, spanning approximately 6,400 square feet, is a true showcase of craftsmanship, scale, and sophistication—designed for the most discerning buyer. Bathed in natural light, the home offers an expansive, open-concept layout with 11 foot ceiling in main living areas. 6 beautifully appointed bedrooms, each with its own private en-suite bath and trayed 12-14 ft high ceilings, complemented by an elegant powder room for guests. All 7 bathrooms are outfitted with custom tile, high-end fixtures and illuminated mirrors. At the heart of the home, a stunning chef’s kitchen is curated with custom white oak details and outfitted with premier appliances by Sub-Zero, Wolf, and Bosch. Refrigeration includes refrigerator/freezer as well as refrigerated drawer units. 2 dishwashers, stove with 6 burners and griddle, wall oven and microwave drawer. Cabinet detail galore, cutlery divides, vertical divides, deep pot drawers, multiple trash cabinets. A fully equipped butler’s pantry with wine refrigeration and ice maker. Multiple custom pantries for all the supplies needed for your family and entertaining needs. Sun drenched den with entire walls of glass overlooking your backyard paradise with high ceilings and gas fireplace with custom mantel, living room space and formal dining room. Every element has been carefully considered, including: • Two full laundry rooms for effortless living equipped with LG washers and dryers. • Bespoke, furniture-grade custom closets in primary bedroom and pantries. • Every closet has a customized closet system. • Refined architectural detailing and premium finishes at every turn • Emtek hardware throughout • Name brand plumbing fixtures • Custom shower doors with matching hardware • Two car garage with automated openers. Step outside to your private resort-style retreat, where a 20x40 Gunite pool is enhanced with a saltwater system, integrated heating, advanced Pentax filtration, and a fully automated control system, all complemented by an automatic cover. This well thought out detailed home offers electronics that everyone hopes for. Alarm system, 10 pair of quality speakers. Pre-wired for sound system, cable, TV, internet with 5 WiFi access points, security cameras The grounds are masterfully landscaped by a renowned design firm, creating a secluded oasis with curated plantings, mature screening, and an elevated sense of privacy. The second-floor primary suite is a sanctuary unto itself, featuring a private balcony overlooking the serene backyard—perfect for morning coffee or evening relaxation. Master suite offers a custom coffee station with refrigerated drawers to keep your beverages cold for those beautiful warm summers, refreshments after a work-out or just to relax and admire your own piece of paradise. The master bathroom is equipped with an oversized shower, a soaking tub and two showers heads. Additionally, the home offers a rare opportunity to create up to 2,800 square feet of lower-level living space, with soaring 10-foot ceilings and a wide-open footprint made possible by superior steel construction—ideal for a wellness spa, theater, golf simulator or bespoke entertaining level. This is more than a home-it is a statement of lifestyle, luxury, and location in one of the Hamptons’ most coveted enclaves. Westhampton Beach is a premier Hamptons Village known for its pristine white sandy Atlantic Ocean beaches of Cupsogue Beach County Park, Pike’s Beach, and Rogers Beach. The village also provides direct access to Moriches Bay which is ideal for swimming, surfing, and boating. The key to unlock your Westhampton Beach home is ready and waiting for you today!

11. 2026-01-28
    listed $6,250,000 Active
12. 2022-03-29
    soldstatus $1,150,000
13. 1995-12-28
    soldstatus $85,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥90°F today · 20 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $296,182
• − Mortgage interest: −$274,500
• − Property taxes: −$73,506
• − Insurance: −$24,502
• − Repairs & maintenance: −$23,695
• − Management: −$23,695
• − Depreciation: −$142,558
• Taxable loss: −$266,273
• Est. tax savings @ 24.0%: +$63,906
• After-tax cash flow: $-108,499/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Westhampton Beach Union Free School District
• NCES district ID: 3631020
• Math proficiency: 72% ▼ -5.00%
• Reading proficiency: 75% ▲ 3.00%
• Median HH income: $88,137
• Composite: 65.91/100
• National rank: #444
• State rank: #81 of 590 in NY

Livability — Westhampton Beach

• Score: 64/100
• State rank: #740
• US rank: #14093

Category grades

Amenities F Commute F Cost of living F Crime A+ Employment A+ Housing C Health & safety F User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Westhampton Beach, NY
• County: Suffolk County · 679,920 people
• City population: 4,705
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 4,705
• Household income: $125,179
• Rent vs Own: 11.8% rent · 88.2% own
• Severe rent burden: 43.0

Population outlook (Suffolk County) Hauer SSP2

• Today (2025): 1,505,262 people
• By 2030: 1,498,318 · -0.5%
• By 2040: 1,471,101 · -2.3%
• By 2050: 1,424,848 · -5.3%
• By 2075: 1,337,157 · -11.2%
• By 2100: 1,217,720 · -19.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Two or more races 14% Hispanic / Latino 11% Black 6% Asian 2%
• Hispanic origin (detail): Puerto Rican 1%
• Common ancestry: Romanian 7% Scotch-Irish 2% Italian 2%
• Foreign-born: 14% · Canada, Jamaica, China
• Languages at home: 84% English-only · Spanish 10% Other Indo-European 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Suffolk

• 2024 margin: Lean R (+10.0) · D 45.0% · R 55.0%
• 2008→2024 swing: -16.0pp toward R · 2008: 6.0pp · 2024: -10.0pp
• All cycles: 2024: R+10.0 2020: R+0.0 2016: R+8.2 2012: D+2.9 2008: D+6.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 13.02%
• Current HPI: 460.3964
• Rent YoY: —
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

Industry mix (Fortune 500 HQ in NY)

Industry	F500 HQs	Revenue
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

+7252.9% since first listed

7 events — show timeline

• 2026-06-13 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-06-13 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-06-12 Listed $6,250,000 OneKey® MLS as Distributed by MLS Grid
• 2026-04-14 Listed $6,250,000 OneKey® MLS as Distributed by MLS Grid
• 2026-01-28 Listed $6,250,000 OneKey® MLS as Distributed by MLS Grid
• 2022-03-29 Sold (Public Records) $1,150,000 Public Records
• 1995-12-28 Sold (Public Records) $85,000 Public Records

Property tax history

-3.5%/yr

Latest (2025): $1,935 · +11.9% YoY. Source: county tax records.