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There is a particular kind of life that unfolds slowly, in the best possible way - coffee on a covered porch while the neighborhood stirs, dinner in a proper dining room with real conversation, weekends that begin with a walk to the village and ends on a boat at sunset. That life is 104 Elm Street. And it has been waiting for you. Tucked south of Montauk Highway on a tree-lined block in one of Long Island's most sought-after coastal communities, this beautifully restored Colonial is the rare home that has been completely reimagined from the inside out while holding onto every ounce of its warmth and character. Step through the door and you feel it immediately - the gleam of rich hardwood floors underfoot, the quiet confidence of a home that has been done right. The kitchen is where you will spend most of your mornings and not mind at all. White cabinetry, a deep farmhouse sink, luminous quartz countertops, and an oversized pantry that finally -finally - gives you the storage you've always wanted. The first-floor laundry and mudroom mean the rhythm of daily life flows effortlessly, and when the day winds down, the covered porch becomes your private retreat: a cold drink, the sound of leaves, your own corner of peace. A wood-burning fireplace anchors the living spaces with the kind of soul that no renovation can manufacture. The formal dining room sets the stage for the gatherings that become family legend. Upstairs, four bedrooms offer room to grow, to rest, to simply be. A full unfinished basement has plenty of storage. A detached 2 car garage completes the picture. And then there is Sayville itself - a genuine, deeply loved village where the streets lead you to boutique shops, local restaurants, and the kind of community energy that makes you feel lucky to live here. The Great South Bay is practically your backyard: boating, fishing, kayaking, and the ferry to Fire Island are part of the rhythm of life in this coastal treasure. World-class beaches are minutes away. The LIRR puts Manhattan within easy reach. And for those who know to ask - this home sits entirely outside the flood zone, offering the waterfront lifestyle without the coastal worry. New kitchen. New baths. New roof. New windows. Central air. This is not a home you settle into. This is a home you arrive at. Schedule your private showing and see why some addresses simply feel different.
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Our Executive Mortgage Banker:
$849,000
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 | $679,200 | $679,200 | $679,200 |
| 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% | 6.361% | 6.183% |
| Monthly Tax Payment | $1,285 | $1,285 | $1,285 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,856 | $4,182 | $5,731 |
| Total Monthly Payment | $5,233 | $5,559 | $7,108 |
* 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.