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13 Montclair Ave, Shelter Island, NY, 11964

3beds
2baths
1,851sqft
$4,750,000
$2,566price/sqft
$27,371/moest. monthly cost
$1,094,840/yrincome needed

About This Home

Offered in this listing are two lots: 1 Montclair Avenue on .78 acres and 3 Montclair Avenue on .54 acres for a total of 1.3 acres. On the south side of Shelter Island, this classic waterfront beach cottage has approximately 375+/- feet of sandy shoreline. Approaching the house, salt breezes drift through thoughtfully designed meditation and outdoor dining areas tucked beneath hardy cedar trees. Nearby, a pair of Adirondack chairs beside a kayak invite quiet mornings on the water or an afternoon paddle along the shoreline. Built in 1940, the cottage retains much of its original character while benefiting from careful updates over the years. Beyond the entry foyer, a spacious living room with a wood-burning fireplace opens through a wide cased opening to a light-filled den overlooking the water. The formal dining room enjoys equally captivating vistas and flows into an efficiently designed kitchen renovated in 2021. Situated off the foyer is the en-suite primary bedroom, while two guest bedrooms occupy the opposite wing of the home, including one with sweeping water views. A detached one-car garage also provides an ideal summer office or artist studio. Central air conditioning and attentive stewardship have ensured the property remain in excellent condition. On the western side of the property, steps descend to the beach where a kayak rack awaits. From there, a shoreline path winds south to a broad stretch of sandy beach, creating an ever-changing backdrop for swimming, kayaking, beachcombing, or simply enjoying the waterfront throughout the day. Rarely does a property combine such an inviting natural setting, vintage seaside charm, and generous shoreline in one offering. 1 Montclair Avenue taxes are $2,019 and 3 Montclair Avenue taxes are $12,261.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
Shelter Island SchoolGrades PK-121.2 mi

Construction

Condition

  • Year built: 1940

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Cooling

  • Cooling features: Central Air

Features

  • Fireplace: Yes

Interior Area

  • Total structure area: 1,851
  • Total interior livable area: 1,851 sqft

Property

Details

  • Parcel number: 0700022000200059000

Features

  • Stories: 1

Lot

  • Lot size: 1.32 Acres

Parking

  • Parking features: GarageDetached
  • Has garage: Yes

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 FloodingRelatively High
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Inland Flooding
Winter Weather
Tsunami

FEMA Declared Disasters in Suffolk County and New York

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter 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 $24,018$288,216
Home Insurance *$1,222$14,664
Property Taxes $1,826$21,912
Electricity $305$3,670
Total$27,371$328,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$938,434/yr
40% on housing$821,130/yr
45% on housing$729,893/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

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: 4.6%
4.6%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$2,566This listing

vs Other Active Listings

Avg $/sqft

ZIP 11964$1,492
Suffolk County$723

vs Homes Sold Last Month

Median $/sqft

ZIP 11964$1,656
Suffolk County$412

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
2026-07-28Listed for sale$4,750,000

For Sale by Agent

AgentPenelope Moore - Associate Real Estate Broker
BrokerageSaunders & Associates

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