108 Creek Road, Riverhead (Wading River), NY, 11792 | $645,000

Welcome to 108 Creek Rd, Wading River NY, 11792 - a delightful beachfront cottage nestled in the heart of Wading River. This charming residence offers an exclusive opportunity to enjoy the tranquil beauty of the Long Island Sound right at your doorstep. This property presents an exciting opportunity for restoration. With a little vision and creativity, you could transform this gem into your dream home, while preserving its unique character and charm. The inviting living room, complete with a cozy fireplace, is the ideal setting for relaxation and leisure. Original wood floors throughout the property add a touch of rustic charm, complementing the natural surroundings perfectly. Outside, a private beach awaits. Imagine the joy of watching the sun set over the Long Island Sound each evening, the sky ablaze with color. This is a beach lover's paradise, with the promise of endless sunsets to enjoy. This property is being sold with a 1. 5 vacant lot across from the property which can provide overflow parking for your overnight guest and family members. The local area offers a wealth of amenities and attractions. Wading River is a welcoming community with a friendly, relaxed atmosphere. It offers a variety of dining and shopping options, outdoor activities, and more. 108 Creek Rd offers a unique living experience with its beachfront location, cozy interior, and potential for customization. Whether you're seeking a peaceful retreat or a new project, this property could be the perfect fit for you. Come and see for yourself the possibilities that await at this Wading River gem.

Features

  • Town: Riverhead
  • Rooms: 7
  • Bedrooms: 3
  • Baths: 1 full / 1 half
  • Style: Cottage
  • Year Built: 1910
  • Garage: 2-car Attached
  • Heating: None
  • Cooling: None
  • Basement: None
  • Approx Sq. Feet: 1,128
  • Acreage: 0.25
  • Est. Taxes: $12,368
  • View: Water
  • Water Front: Yes
  • Elem. School: Wading River School
  • Middle School: Albert G Prodell Middle School
  • High School: Shoreham-Wading River High School
  • School District: Shoreham-Wading River
  • MLS#: 3581139
  • Days on Market: 35 days
  • Website: https://www.raveis.com
    /prop/3581139/108creekroad_riverhead_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 Douglas Elliman Real Estate   Phone: 631-288-6244

William Raveis Family of Services

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888.699.8876

Contact@raveis.com

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Sarah AlvarezVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1880936

347.223.0992

Sarah.Alvarez@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
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Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

108 Creek Road, Riverhead (Wading River), NY, 11792

$645,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Sarah Alvarez

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 347.223.0992

Sarah.Alvarez@Raveis.com

NMLS Mortgage Loan Originator ID 1880936

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $516,000 $516,000 $516,000
Term 360 months 360 months 180 months
Initial Interest Rate** 7.000% 6.990% 5.990%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.477% 7.159% 6.296%
Monthly Tax Payment $1,031 $1,031 $1,031
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,433 $3,430 $4,352
Total Monthly Payment $4,556 $4,553 $5,475

* 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.