104 N Derby Ave, Ventnor, NJ, 08406
About This Home
Take advantage of an exceptional combination of location, lifestyle, and waterfront living with this truly rare Ventnor bayfront home—an absolute dream for boat lovers and Jersey Shore enthusiasts alike. Set on a high elevation, this exceptionally well-positioned property offers peace of mind, having never experienced flooding, including during Hurricane Sandy. Boaters will appreciate the 50-foot boat slip just steps from the home, offering direct bay access with easy passage to the ocean via both the OC and AC inlets. Whether you enjoy cruising, sport fishing (the owner previously docked a 46’ sportfishing boat), kayaking, paddleboarding, or simply relaxing on the calm bay waters, this home delivers the ultimate waterfront lifestyle. Inside, the home is super cute, very well maintained, and thoughtfully designed to maximize comfort and functionality. It features vinyl plank flooring, updates throughout and a neutral color pallet offering a modern feel. With 2 bedrooms, 1.5 baths, an updated eat-in kitchen, and a cozy living room with fireplace that opens to a deck with breathtaking bay views and unforgettable sunsets—perfect for entertaining or unwinding with the coastal breeze. A charming front yard adds to the home’s curb appeal and island character. The location truly sets this property apart. Just 2.5 blocks to the beach and boardwalk, minutes from Ventnor’s beautiful shoreline, and moments from the thriving Ventnor Heights dining and business district, including Red Room, The Dorset, Wahine Wine, Ventnor Coffee House, and Custard’s Last Stand. Downtown Ventnor Heights is on the rise, making this an exciting opportunity to enjoy and invest. Additional highlights include quick bridge access, AC Expressway Exit 2, and proximity to everyday conveniences such as Acme, Starbucks, and Island Gym. By boat, enjoy waterfront dining at Tideline, Lamberti’s, Wonder Bar, and more. Ventnor Heights Ski Beach summer nights every Wednesday are just a hop, skip, and jump away. Bayfront opportunities at the Jersey Shore are incredibly limited—and this one is well under $1 million, making it truly special. Option for a quick close, so you can have your new home ready for summer. Don’t miss your chance to own this exceptional piece of Ventnor bayfront paradise.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1907
Materials
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Water Heater
- Laundry features: Main Level
Basement
- Area: 0
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Combination Kitchen/Dining,Floor Plan - Traditional,Eat-in Kitchen
- Flooring: Luxury Vinyl
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,066
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Wall Unit(s),Electric
Interior Area
- Total structure area: 1,066
- Total interior livable area: 1,066 sqft
Property
Accessibility
- Accessibility features: Other
Details
- Parcel number: 220015700001
- Zoning: 07
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Has view: Yes
- View description: Canal,Bay
- Has water view: Yes
- Water view: Canal,Bay
- Waterfront features: Bayfront,Canoe/Kayak,Boat - Powered,Public Access,Bay
Lot
- Lot size: 1,729 sqft
- Lot size dimensions: 20.32 x 85.00
Parking
- Parking features: None
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Strong Wind
- Hurricane
- Inland Flooding
- Lightning
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across New Jersey Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,298 | $51,576 |
| Home Insurance * | $417 | $5,004 |
| Property Taxes | $1,317 | $15,804 |
| Electricity | $193 | $2,318 |
| Total | $6,225 | $74,700 |
Income You'd Need if You Spent...
New Jersey FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-13 | Price change | $850,000 |
| 2026-02-20 | Listed for sale | $895,000 |
| 2025-10-01 | Listing removed | $899,000 |
| 2025-06-19 | Price change | $899,000 |
| 2025-05-08 | Price change | $939,000 |
| 2025-04-01 | Listed for sale | $949,000 |
| 2002-01-11 | Sold | $122,000 |
| 2001-08-08 | Sold | $72,000 |
For Sale by Agent
View on Zillow