If you want a bank-owned property

Valley Stream

92 Grant Dr.

$311,250

Clean but in need of some work, this seven-room Cape has an open floor plan. The eat-in kitchen, which has fairly new maple cabinets, is open to the dining room and living room. There are two bathrooms and four bedrooms - two up and two down. Other features include wood floors, a fireplace, a full basement, an updated heating system and a one-car garage. The property is 55 by 100 feet. The backyard has a deck and is private, the listing agent says. Taxes are $6,839, with additional village taxes of $2,193. Mike Kenduck, Cruse Real Estate, Seaford, 516-826-2100

Middle Island

32 Midville Rd.

$188,000

Decent but in need of some tender loving care is how the listing agent describes this five-room wideline ranch, which has vinyl siding. It could use a new paint job and new carpeting, among other things. Features include wood floors, three bedrooms, two bathrooms and a partially finished basement. The parcel - 100 by 125 feet - is parklike, the agent adds. Taxes are $7,246. Louise Conklin, Century 21 Cor-Ace Realty, Moriches, 516-983-2899

Huntington Station

60 Craven St.

$209,900

Set mid-block, this 10-room front-to-back split has vinyl siding and updated windows. The layout includes a kitchen, a formal dining room, a family room and a den. There are four bedrooms and three bathrooms. The house, built in 1955, needs some cosmetic repairs and updating, the listing agent says. Amenities include easy access to public transportation. Taxes are $9.283. Todd Yovino, Island Advantage Realty, Huntington, 631-351-6000