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1430 SW Point Rd, Block Island, RI, 02807

8beds
8baths
5,055sqft
$9,290,000
$1,838price/sqft
$58,738/moest. monthly cost
$2,349,520/yrincome needed

About This Home

A once-in-a-generation opportunity to own a landmark waterfront compound on Block Island's prestigious Southwest Point. Encompassing 3.13 private acres with direct beach access and commanding Atlantic Ocean views, this exceptional estate captures the essence of refined island living. Built in 2004, the compound is thoughtfully arranged to embrace the surrounding coastal landscape while offering remarkable privacy. The main residence and guest accommodations are surrounded by sweeping lawns, mature gardens, and native plantings that blend seamlessly into the island's natural beauty. The ocean is ever-present—from the salt air and panoramic vistas to the gentle sound of the bell buoy drifting across the water. Private access to the shoreline provides an intimate connection to the coast, while expansive outdoor spaces offer endless opportunities for entertaining, relaxation, and taking in breathtaking sunsets over the Atlantic. On clear evenings, enjoy spectacular views of Montauk Point and its iconic lighthouse across Block Island Sound, creating an unforgettable backdrop as the sun dips below the horizon. Rarely does a property of this caliber become available on Southwest Point. Combining acreage, privacy, waterfront access, and a premier location, this is a legacy estate designed to be cherished for generations.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

5/10
Block Island SchoolGrades K-122.4 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Mixed
  • Construction materials: Dry Wall,Shingles,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Interior and Exterior,Unfinished,Storage Space,Utility

Bathroom

  • Features: Bath w Tub, Bath w Shower Stall, Bath w Tub & Shower

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 8
  • Full bathrooms: 7
  • 1/2 bathrooms: 1

Features

  • Wall (Dry Wall),Stairs,Plumbing (Copper),Insulation (Ceiling),Insulation (Floors),Insulation (Walls)
  • Flooring: Ceramic Tile,Hardwood
  • Number of fireplaces: 4
  • Fireplace features: Brick
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 5,055

Heating & Cooling

  • Heating features: Oil,Steam
  • Cooling features: None

Interior Area

  • Total structure area: 5,055
  • Total interior livable area: 5,055 sqft

Property

Details

  • Parcel number: 1430SOUTHWESTPTNSHM
  • Zoning: RA
  • Foundation area: 2208

Features

  • Patio & porch: Deck,Porch
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Access,Beach,Ocean Front,Saltwater Front,Walk to Salt Water,Walk To Water

Lot

  • Lot size: 3.13 Acres
  • Features: Secluded

Parking

  • Total spaces: 6
  • Parking features: No Garage

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
    Coastal FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Tsunami

FEMA Declared Disasters Across Rhode Island Counties

Fire
Flood
Severe Storm

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

MonthlyAnnual
Mortgage $46,975$563,700
Home Insurance *$3,690$44,280
Property Taxes $7,044$84,528
Electricity $1,029$12,353
Total$58,738$704,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$2,013,874/yr
40% on housing$1,762,140/yr
45% on housing$1,566,346/yr

Rhode Island FAIR Plan Programs

Rhode Island Joint Reinsurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 16,029Commercial: 109
Total Premiums$36.73M
Total Exposure$6.14B

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.

Insurance Growth Rate5-year average: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 6.7%
6.7%
0%15.0%
Property Taxes Growth Rate2-year average: -0.1%
-0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,838This listing

vs Other Active Listings

Avg $/sqft

ZIP 02807$934
Washington County$610

vs Homes Sold Last Month

Median $/sqft

ZIP 02807$1,085
Washington County$360

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

DateEventPrice
2026-08-09Listed for sale$9,290,000

For Sale by Agent

AgentJennifer Phillips
BrokeragePhillips Real Estate

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