465 Ripple Water Lane, Southold, NY, 11971 | $3,598,999

You know we have been looking at new homes for a while. This one is the first that felt like, "okay, this checks the boxes" The granite front porch sold me right away. wine and cheese with everyone and with the larger width and depth, you can see they built the home with this in mind. And the kitchen is exactly what I wanted because this is where we all hang out and this has the built in refrigerator, freezer, double ovens with the pantry right there, and the island is set up so your not doing that awkward "move over" dance. And I have never seen this before, a 45" workstation sink is genius. Two people can actually use it without elbow wars. Then you see the laundry room and it's amazing. In this 5 bedroom house you have 4 slide out drawers to hold the 4 laundry baskets and since they have a set place, the room stays organized. It also has a pet washing station with slate floors and tiled walls it's just a smart use of space. The main floor suite is perfect, and the walk in closet has lighting right on the hanger bars so you can actually see everything. The bathroom has a curbless shower shower, built in bench, dual vanities and a toto wash-let toilet. It is not every house that has these features. The finished basement doesn't feel like a basement as it has big windows, double doors out to the pool stairs, bright and open. It's set up for movie nights with Savant controlled speaker and media throughout the house, a beverage center, and even a steam shower down there. Upstairs you have another primary suite as well as two more bedrooms with baths so the layout works so well. Outside is straight up resort mode. Covered granite porch with wall-wash lighting, speakers, a pool with a 6" swim deck for in water lounge chairs and umbrellas, sheer descent water feature and bluestone patio and walkways, all the low maintenance stuff we actually want. And the location is perfect for getting people out of the house. The neighborhood has a path to Goose Creek with kayak and paddle board racks to jump on the water and head over to the sandy beach at Goose Creek beach. This is also 15 minutes to South Harbor Rd beach without the car and Croateux Winery. iconic for the French country vibes is basically just around the corner.

Features

  • Amenities: Other
  • Rooms: 12
  • Bedrooms: 4
  • Baths: 5 full / 1 half
  • Laundry: Gas Dryer Hookup, Laundry Room, Washer Hookup
  • Style: Farmhouse
  • Year Built: 2025
  • Garage: 2-car
  • Heating: ENERGY STAR Qualified Equipment, Propane, Hydro Air
  • Cooling: Central Air
  • Basement: Walk-Out Access, Finished, Full
  • Approx Sq. Feet: 6,366
  • Acreage: 0.7
  • Est. Taxes: $27,455
  • HOA Fee: $750 Annually
  • Lot Desc: Level, Sprinklers In Front, Sprinklers In Rear
  • View: Trees/Woods
  • Water Front: Yes
  • Elem. School: Southold Elementary School
  • Middle School: Southold Junior-Senior High School
  • High School: Southold Junior-Senior High School
  • School District: Southold
  • Pool: In Ground
  • Appliances: Dishwasher, Dryer, Oven, Refrigerator, Tankless Water Heater, Washer
  • MLS#: 947218
  • Days on Market: 139 days
  • Website: https://www.raveis.com
    /eprop/947218/465ripplewaterlane_southold_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.Listing courtesy of Century 21 Albertson Realty   Phone: 631-765-3800

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Frank KolbSenior Vice President - Coaching & Strategic, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 81725

203.980.8025

Frank.Kolb@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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465 Ripple Water Lane, Southold, NY, 11971

$3,598,999

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Frank Kolb

Senior Vice President - Coaching & Strategic

William Raveis Mortgage, LLC

Phone: 203.980.8025

Frank.Kolb@raveis.com

NMLS Mortgage Loan Originator ID 81725

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $2,879,199 $2,879,199 $2,879,199
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.165% 6.259% 6.183%
Monthly Tax Payment $2,288 $2,288 $2,288
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $16,348 $17,494 $24,296
Total Monthly Payment $18,761 $19,907 $26,709

* 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.