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Experience effortless one-level living in this immaculate Southold retreat. Set in the coveted Terry Waters community with its own sandy beach just down the road, this clean, airy home offers comfort, privacy, and classic North Fork charm. A welcoming front porch opens to an inviting living room and a spacious den featuring hardwood floors and a wood-burning fireplace. The dining area flows into a generous kitchen with ample counter space, abundant cabinetry, and stainless-steel appliances—ideal for everyday living and easy entertaining. The home includes three comfortable bedrooms and two modern baths, including a private ensuite and a well-appointed hallway bath. Central air conditioning ensures year-round comfort. Out back, a peaceful deck is the perfect place for morning coffee or sunset unwinding, overlooking a lovely, private yard. A handy shed provides extra storage. Enjoy the beautiful community beach—with kayaks and bicycles included to make getting there a breeze—and explore additional nearby beaches for endless waterfront days. Moments from award-winning wineries, local farm stands, quaint shops, and acclaimed farm-to-table restaurants, this picture-perfect property offers the best of coastal living. A wonderful blend of comfort and privacy—your serene North Fork escape awaits. Availability Sept- June Southold Town Rental Permit #0644
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Our Executive Mortgage Banker:
$3,900
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $3,120 | $3,120 | $3,120 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.374% | 6.524% | 5.933% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $19 | $19 | $26 |
| Total Monthly Payment | $94 | $94 | $101 |
* 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.