998 West Shore Road, Mill Neck, NY, 11771 | $7,100,000

Often dreamed about but rarely available: Welcome to a truly beautiful waterfront property " Harbor Torre" has been completely renovated to perfection. This 9500 square foot home with breathtaking views of Oyster Bay Harbor has a combination of elegance, luxury and meticulous detail. 1. 7 acres of waterfront with your own private staircase and beach provide reasonable maintenance and taxes while the location of the exterior buildings create privacy and additional living space. Amenities in the main house include 6 bedrooms and 6. 5 baths with radiant heat in first level bathrooms and mudroom, Waterworks and Kallista fixtures. The house is completely finished inside and out, with beautiful custom crown, baseboard and ceiling moldings, cedar closets, original oak floors, thermopane windows, hand crafted library, six interior fireplaces and one exterior fireplace, six zones of air conditioning and heating and a 48kw whole house generator. The gourmet kitchen includes a Wolf stove, Sub-Zero refrigerator, two Bosch dishwashers, quartz countertops and a large pantry, all looking out on the harbor. Every room is remarkably detailed, including beautiful lighting fixtures, doors, door hardware and built in shelving and cabinets. The basement boiler room and mechanical rooms and systems are pristine. There is a three story fire sprinkler system, brand new geothermal system (2025), three hot water tanks, built in dehumidification systems and water filtration system. The basement has incredibly high ceilings and a basketball/pickle ball/soccer sports court. The completely redone two bedroom guest house has a brick patio with water views, an open floor plan living room with fireplace, kitchen with a cleverly designed moveable island on wheels, full bath, laundry, two bedrooms and a full bath upstairs and a gym in the one car garage. The separate 3. 5 car garage with possible living quarters above provides space for an artists studio, game room, storage, or additional living space with views of the harbor. Beautifully landscaped, the property is fenced, with a heated, saltwater gunite pool with new mechanicals. Relax on the bluestone terrace in front of the home overlooking the tranquil waters or entertain in style with al fresco dining, in the midst of beautiful hydrangeas and specimen plantings. A truly one of a kind "Must See Jewel. " A Masterpiece Listing.

Features

  • Rooms: 16
  • Bedrooms: 6
  • Baths: 6 full / 1 half
  • Laundry: Multiple Locations
  • Style: Colonial, Cottage, Estate
  • Year Built: 1898
  • Garage: 3.5-car
  • Heating: Geothermal, Natural Gas, Radiant, Radiant Floor
  • Cooling: Central Air, Ductwork, Geothermal, Zoned
  • Basement: Bilco Door(s), Full, Partially Finished, Storage Space, Walk-Out Access
  • Approx Sq. Feet: 9,553
  • Acreage: 1.77
  • Est. Taxes: $45,423
  • Lot Desc: Back Yard, Front Yard, Garden, Landscaped, Level, Private, Sloped, Sprinklers In Front, Sprinklers In Rear, Stone/Brick Wall, Views, Waterfront
  • Water Front: Yes
  • Elem. School: Theodore Roosevelt School
  • Middle School: Oyster Bay High School
  • High School: Oyster Bay High School
  • School District: Oyster Bay-East Norwich
  • Appliances: Dishwasher, Dryer, Exhaust Fan, Gas Oven, Gas Range, Microwave, Refrigerator, Stainless Steel Appliance(s), Washer, Gas Water Heater, Geothermal Water Heater, Wine Refrigerator
  • MLS#: 863749
  • Days on Market: 120 days
  • Website: https://www.raveis.com
    /eprop/863749/998westshoreroad_millneck_ny?source=qrflyer
Listing information has been assembled from various sources of varying degrees of reliability. Any information critical to the buying decision should be independently verified.

William Raveis Family of Services

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.

The One TeamSales Associates

OneandCompany@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
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To learn more about our credentials, visit raveis.com today.

Kevin DeTullioVP, Mortgage Banker / Production Manager, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1724767

203.305.5736

Kevin.DeTullio@Raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Brian SkellyVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 793093

203.415.2989

Brian.Skelly@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Diane PadelliInsurance Sales Director, William Raveis Insurance

203.444.0494

Diane.Padelli@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

998 West Shore Road, Mill Neck, NY, 11771

$7,100,000

The One Team

Sales Associates

William Raveis Real Estate

Phone: 860.850.0500

OneandCompany@raveis.com

Kevin DeTullio

VP, Mortgage Banker / Production Manager

William Raveis Mortgage, LLC

Phone: 203.305.5736

Kevin.DeTullio@Raveis.com

NMLS Mortgage Loan Originator ID 1724767

Brian Skelly

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.415.2989

Brian.Skelly@raveis.com

NMLS Mortgage Loan Originator ID 793093

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $5,680,000 $5,680,000 $5,680,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.000% 5.750% 5.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.048% 5.858% 5.681%
Monthly Tax Payment $3,785 $3,785 $3,785
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $30,491 $33,147 $46,410
Total Monthly Payment $34,401 $37,057 $50,320

* 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.