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Impeccably maintained and move-in ready, this 4, 000+ sq ft Colonial is located in Baldwin’s desirable Bay Colony and offers generous living space with beautiful waterfront views. Built in 2002, the home features five bedrooms and three full bathrooms, with sun-filled rooms and a comfortable, open layout. The main level includes a modern kitchen with butler’s pantry, radiant heated floors, and a spacious den off the kitchen with glass sliders overlooking the canal and protected open land beyond—providing peaceful, open views year-round. A formal dining room and an inviting living room with wood-burning fireplace complete the first floor. Upstairs, the primary suite offers a private study with vaulted ceilings, dual walk-in closets, and a spacious bath with steam shower and soaking tub. Four additional bedrooms, a laundry room and a full bath provide flexibility for guests, home offices, or extended family. Outdoor living is a highlight, with an oversized yard featuring multiple decks, canopies, professional landscaping, and lighting. Ideal for boating, the property includes an 80-foot bulkhead, private dock, and boat lift. A large garage offers a gym area and ample storage. Additional features include hardwood floors throughout, approximately 1, 278 sq ft of attic space, Sonos sound system indoors and outdoors (receivers included), hard-wired fire alarm system, radiant heat in the kitchen and primary bath, tankless hot water, and central air conditioning. This residence stands as the premier value in Baldwin Harbor — and the numbers speak for themselves. Offering an impressive 4, 265 sq. ft. of living space, it is significantly larger than any competing home in the area, where comparable properties top out at 3, 000 sq. ft. or less. Despite its remarkable size and craftsmanship, it is offered at just $363. 42 per square foot, notably lower than the surrounding market, which ranges from $392. 31 to $671. 06 per sq. ft. A rare waterfront offering in Bay Colony combining space, comfort, and lifestyle.
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Our Executive Mortgage Banker:
Our Insurance Division:
$1,550,000
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 | $1,240,000 | $1,240,000 | $1,240,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.125% | 5.875% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.021% | 5.984% | 5.806% |
| Monthly Tax Payment | $1,375 | $1,375 | $1,375 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $6,752 | $7,335 | $10,214 |
| Total Monthly Payment | $8,252 | $8,835 | $11,714 |
* 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.