20 Surfside Ave #4B, Montauk, NY, 11954
About This Home
This beautifully appointed, luxury one bedroom one bath duplex apartment set on the west perimeter of this oceanfront property sports a 120 ft2 private deck, living room and kitchen on the ground floor, master bedroom with separate vanity within and full bath on the second floor. The unit shares an outdoor heated pool, two all weather tennis-pickleball courts, fitness room and full resort amenities with its neighbors in an exclusive community with strong rental program and impressive returns just a short walk to Montauk Village, shops and restaurants galore. Best value on property at its Asking Price.
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1982
Type & Style
- Home type: Cooperative
- Property subType: Stock Cooperative
Interior
Basement
- Basement: No
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Interior Area
- Total structure area: 723
- Total interior livable area: 723 sqft
Property
Features
- Stories: 2
- Private pool: Yes
- Pool features: Heated
- Exterior features: Tennis Court(s)
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- On waterfront: Yes
- Waterfront features: Waterfront
- Frontage type: Waterfront
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
- 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 | $3,787 | $45,444 |
| Home Insurance * | $255 | $3,060 |
| Property Taxes | $1,011 | $12,132 |
| Electricity | $246 | $2,954 |
| Total | $5,299 | $63,588 |
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 |
|---|---|---|
| 2026-07-21 | Listed for sale | $749,000 |
For Sale by Agent
View on Zillow