188 Geneva Street, Bay Shore, NY, 11706 | $835,000
Don't miss this Diamond in the rough which features a Bay Shore address and coveted Islip Schools. This turn-key, expansive Hi-Ranch is set on a quarter-acre of property, offering 5 bedrooms and 4 full baths with exceptional potential and space. Designed for comfortable living and perfect for entertaining, the home features a beautifully updated chefs kitchen, newly renovated bathrooms, a sun-drenched sunroom, and a spacious primary suite. The spacious lower level offers additional living areas, ideal for Mom or extended family. Step outside to a private backyard oasis complete with a pool and oversized deck — perfect for summer gatherings and outdoor enjoyment. Home is very well maintained and in Pristine condition - Offers picturesque landscaping with mature Arborvitaes lining the backyard for the ultimate feel of privacy. Also includes a brand new gas boiler & Hot Water heater, Roof is 7 years old & the roof on Sunroom was replaced in 2025. Ideally located near Bay Shore’s vibrant Main Street, South Shore beaches, and Fire Island ferries, this home offers a lifestyle of convenience and coastal charm. A rare opportunity to create your dream home with ample space for extended family.
Features
- Rooms: 12
- Bedrooms: 5
- Baths: 4 full
- Style: Hi Ranch
- Year Built: 1989
- Heating: Baseboard, Hot Water, Natural Gas
- Cooling: Ductless
- Approx Sq. Feet: 2,975
- Acreage: 0.26
- Est. Taxes: $14,364
- Lot Desc: Back Yard, Borders State Land, Front Yard, Garden, Near Public Transit, Near School, Near Shops
- Elem. School: Commack Road Elementary School
- Middle School: Islip Middle School
- High School: Islip High School
- School District: Islip
- Pool: Yes
- Appliances: Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Freezer, Gas Cooktop, Gas Oven, Microwave, Range, Refrigerator, Stainless Steel Appliance(s), Washer, Gas Water Heater, Wine Refrigerator
- MLS#: 995354
- Days on Market: 13 days
- Website: https://www.raveis.com
/prop/995354/188genevastreet_bayshore_ny?source=qrflyer
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
188 Geneva Street, Bay Shore, NY, 11706
$835,000
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 | $668,000 | $668,000 | $668,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.375% | 6.125% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.117% | 6.235% | 6.058% |
| Monthly Tax Payment | $1,197 | $1,197 | $1,197 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,741 | $4,059 | $5,592 |
| Total Monthly Payment | $5,030 | $5,348 | $6,881 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
NY Licensed Mortgage Banker-NYS Banking Department LMBC 106535