654A Dune Rd, Westhampton Beach, NY, 11978
About This Home
Discover a rare bayfront offering in Westhampton Dunes, where timeless Hamptons cottage character meets exceptional potential. This multifamily property presents a unique opportunity to enjoy its inviting, relaxed elegance as is, or thoughtfully reimagine it into a truly one-of-a-kind waterfront retreat. Set along approximately 175 feet of bulkheading, the property enjoys sweeping open-bay views. The main cottage features three bedrooms and two bathrooms, an eat-in kitchen, and a generous great room oriented to capture the water views beyond. The home is equipped with air conditioning and heat, ensuring comfort all season. A separate guest cottage provides excellent flexibility, offering two bedrooms, one bathroom, a fully equipped kitchen, and split systems providing both air conditioning and heat. Ideal for hosting guests, extended family, or rental income, the layout allows for privacy while maintaining a cohesive sense of place. Outdoor living is equally compelling, with a private deck overlooking the bay-perfect for quiet mornings, sunset gatherings, or simply taking in the natural beauty of the setting-as well as an outdoor shower, ideal after a day at the beach. With ocean beach access across the street and less than five miles from the boutiques and dining along Westhampton Beach Main Street, this property offers a rare balance of tranquility, convenience, and classic Hamptons appeal.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1956
Type & Style
- Home type: MultiFamily
- Property subType: Multi Family
Interior
Basement
- Basement: No
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Cooling
- Cooling features: Central Air
Features
- Fireplace: Yes
Interior Area
- Total structure area: 2,174
- Total interior livable area: 2,174 sqft
Property
Details
- Parcel number: 0907004.0000001019.000
Features
- Stories: 1
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Waterfront
- Frontage type: Waterfront
Lot
- Lot size: 0.56 Acres
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
- Hurricane
- Inland Flooding
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Suffolk County and New York
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 | $18,704 | $224,448 |
| Home Insurance * | $1,198 | $14,376 |
| Property Taxes | $4,993 | $59,916 |
| Electricity | $359 | $4,311 |
| Total | $25,254 | $303,048 |
Income You'd Need if You Spent...
New York 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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-02 | Listed for sale | $3,950,000 |
For Sale by Agent
View on Zillow