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Experience the best of the East End from this waterfront retreat in Hampton Bays’ exclusive Old Harbor Colony. Set on a quiet street with beautiful water views, 20 Oak Lane offers a rare blend of space, light, and true boating lifestyle—just minutes to ocean beaches, waterfront dining, and everything the Hamptons have to offer. With over 4, 200 square feet of interior living space plus a two-car garage, five bedrooms (including two primary suites), four full baths, and one half bath, this home is designed for relaxed coastal living and effortless entertaining. Step outside to your private backyard oasis featuring a recently relined pool (2024), expansive deck, and a 120-foot composite bulkhead—offering exceptional dockage capacity for multiple boats or larger vessels, with easy access to the bay and ocean. Inside, cathedral ceilings and natural light define the main living spaces. The spacious kitchen offers abundant cabinetry, generous island prep space, a stove plus two wall ovens, and direct access to the deck and pool. Adjacent, the butler's pantry provides additional cabinetry, counter space, plus a refrigerator, a sink, and convenient access to the laundry room and attached two-car garage. Multiple gathering areas—including a family room with gas fireplace, a living room with wood-burning fireplace, and a sunroom with a door out to the deck and pool—create an ideal flow for both everyday living and entertaining. Upstairs, a primary suite offers a private, elevated retreat with its own living area, mini-kitchen, walk-in closet, large ensuite bath, and a deck overlooking the water. The layout also includes a main-level bedroom and full bath, along with another spacious primary suite. A large recreation room provides additional space for relaxing, games, or media. Two additional bedrooms with cathedral ceilings and a shared Jack-and-Jill bath complete the upper level. Whether you’re spending the day at Ponquogue Beach, boating from your backyard, or enjoying summer evenings by the pool, this is Hamptons living with space, comfort, and exceptional waterfront access—without compromise.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
$2,399,900
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Senior Vice President - Coaching & Strategic
William Raveis Mortgage, LLC
Phone: 203.980.8025
Frank.Kolb@raveis.com
NMLS Mortgage Loan Originator ID 81725
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,919,920 | $1,919,920 | $1,919,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 6.000% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.069% | 6.110% | 5.932% |
| Monthly Tax Payment | $1,711 | $1,711 | $1,711 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $10,602 | $11,511 | $15,943 |
| Total Monthly Payment | $12,438 | $13,347 | $17,779 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.