615 Pearl Street, Oceanside, NY, 11572 | $999,000

Welcome to 615 Pearl Street—where modern design, elevated construction, and serene water views come together in a home that truly delivers on both style and substance. Completely rebuilt in 2019 and thoughtfully designed for today’s lifestyle, this FEMA-compliant raised contemporary offers 5 bedrooms, 2 full and 2 half baths, and the perfect balance of open-concept living and private retreats. Designed for both everyday living and exceptional entertaining, the main level unfolds into a sun-drenched, open layout featuring a beautifully appointed eat-in chef’s kitchen with crisp white cabinetry, quartz countertops, stainless steel appliances, and a generous center island. The adjoining living and dining areas flow seamlessly, while a spacious great room invites you to unwind with stunning water views as your backdrop. A flexible bonus room—ideal as a home office, playroom, or potential sixth bedroom—adds versatility to fit your lifestyle. A spacious powder room completes the main living space. Upstairs, the primary suite is a true retreat, complete with a spa-like bath flanked by two oversized closets. The ensuite features a soaking tub, separate shower, double vanity, and an oversized closet. Four additional generously sized bedrooms, a full bath, and a dedicated laundry room complete the upper level. The ground level offers a heated and cooled two-car garage with a metallic epoxy-coated floor, abundant storage, and a welcoming entry foyer. Outside, enjoy a beautifully sized yard designed for both relaxation and entertaining, featuring an oversized covered patio and a composite deck overlooking the peaceful Mill River—your own private escape. Additional highlights include gas cooking, a tankless heating system, central air, 200-amp electric, crown moldings, engineered hardwood floors, recessed lighting, and a spacious five-car driveway. This is more than a home—it’s a lifestyle opportunity, thoughtfully designed and perfectly positioned.

Features

  • Rooms: 10
  • Bedrooms: 5
  • Baths: 2 full / 2 half
  • Laundry: Laundry Room
  • Style: Colonial
  • Year Built: 2019
  • Garage: 2-car
  • Heating: Forced Air, Natural Gas
  • Cooling: Central Air
  • Approx Sq. Feet: 3,300
  • Acreage: 0.15
  • Est. Taxes: $15,342
  • Lot Desc: Views, Waterfront
  • View: Water
  • Water Front: Yes
  • Elem. School: School 2
  • Middle School: School 9M-Oceanside Middle School
  • High School: School 7-Oceanside Senior Hs
  • School District: Oceanside
  • Appliances: Gas Range, Microwave, Refrigerator, Stainless Steel Appliance(s), Washer
  • MLS#: 986110
  • Days on Market: 8 days
  • Website: https://www.raveis.com
    /prop/986110/615pearlstreet_oceanside_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 Daniel Gale Sothebys Intl Rlty   Phone: 516-670-1700

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

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To learn more about our credentials, visit raveis.com today.

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
  • 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

615 Pearl Street, Oceanside, NY, 11572

$999,000

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 $799,200 $799,200 $799,200
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 $1,279 $1,279 $1,279
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,538 $4,921 $6,744
Total Monthly Payment $5,908 $6,291 $8,114

* 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.