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Welcome to your dream waterfront retreat in the heart of Setauket, where luxury living meets breathtaking natural beauty. Perfectly set on over half an acre, this impeccably maintained and thoughtfully updated 4-bedroom, 4. 5-bathroom colonial offers panoramic views of Setauket Harbor, over 100 feet of private beach, and a lifestyle that feels like a year-round getaway. From the moment you arrive, the charming wraparound porch invites you to slow down and take in the peaceful coastal setting. Inside, the home is filled with warmth and elegance, featuring crown molding throughout and Andersen windows that flood the space with natural light while framing stunning water views from nearly every angle. French doors on both the main and upper levels create a seamless indoor-outdoor flow, leading you effortlessly to the deck and private balcony — perfect for enjoying morning coffee, summer evenings, and everything in between. At the heart of the home, the chef's kitchen is designed to bring people together, complete with a coffee bar, spacious pantry, and an open layout ideal for both everyday living and entertaining. The den offers a cozy yet refined atmosphere with a wood-burning fireplace and custom dry bar — an inviting space to relax or host guests. Upstairs, the expansive primary suite is your own private sanctuary, featuring a balcony overlooking the harbor where you can unwind and take in the serene views. The home also offers incredible flexibility with a full finished basement and dedicated workshop, along with the potential for an accessory suite or multi-generational living (with town approval). Step outside and enjoy everything this property has to offer — from your private beach and deeded mooring rights for boating, to a beautifully maintained yard complete with a hot tub, oversized shed, EV charging station, and new driveway. With a roof under 15 years old and all major systems updated, this home provides both comfort and peace of mind. Owned by a respected local builder, this property also presents a unique opportunity for the right buyer to further personalize the home. Additional interior customizations may be considered and completed, allowing you to truly tailor the space to your vision and lifestyle. Whether you're entertaining, relaxing, or simply enjoying the view — this is more than just a home, it's a lifestyle. A rare opportunity to own a truly special waterfront property in one of Long Island's most desirable locations.
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.
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Our Executive Mortgage Banker:
$1,699,000
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 | $1,359,200 | $1,359,200 | $1,359,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 6.250% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.165% | 6.349% | 6.183% |
| Monthly Tax Payment | $1,990 | $1,990 | $1,990 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $7,717 | $8,369 | $11,470 |
| Total Monthly Payment | $9,832 | $10,484 | $13,585 |
* 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.