Welcome to Bayfront Living at Its Best – 615 East State Street, Long Beach NY! This rare 100 x 100 Bayfront property with the very essence of coastal living. With four bedrooms and three baths, this home offers both style and comfort, paired with outrageous panoramic bay views from the living room, dining room, and eat-in kitchen. Step inside and you’re greeted by sun-drenched interiors, gleaming hardwood floors, and an open flow that makes every room feel connected to the water. The Viking-equipped kitchen features a gas range, double ovens, and a spacious layout ideal for cooking and entertaining. Designed for year-round enjoyment, the home includes central air, two-zone heating, and mini-splits for efficient climate control. The first floor showcases a bright and airy living room, formal dining area, and a cozy family room with gas fireplace — all surrounded by windows framing the bay. The property offers a true boater’s paradise, complete with a brand-new dock, ramp, bulkhead, ample parking, and a fully fenced yard for privacy. The hot tub (installed in 2023) in-ground pool potential with brand new filters and heater to elevate the outdoor living experience, making this home perfect for hosting gatherings or simply relaxing by the water. Additional highlights include a private laundry room, updated boiler, and multiple flexible living areas, ideal for guests or extended family. 200 Amp service and 60 amp sub-panel for the pool. Set on a quiet dead-end street, this property combines serenity and convenience — just minutes from Long Beach’s beautiful beaches, the LIRR, and the vibrant city center filled with shops, restaurants, and entertainment. This is more than a home — it’s a lifestyle. A rare Bayfront opportunity where every sunrise and sunset reminds you why living on the water is like nowhere else. Flood Insurance - $2, 642. 85 annually!
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Our Executive Mortgage Banker:
Our Insurance Division:
$1,449,000
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
|
5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
|---|---|---|---|
| Loan Amount | $1,159,200 | $1,159,200 | $1,159,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 4.750% | 5.625% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 5.878% | 5.732% | 5.555% |
| Monthly Tax Payment | $1,778 | $1,778 | $1,778 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $6,047 | $6,673 | $9,395 |
| Total Monthly Payment | $7,950 | $8,576 | $11,298 |
* 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.