




13 Montclair Ave, Shelter Island, NY, 11964
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
Schools
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
- 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 | $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 |
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 |
|---|---|---|
| 2026-07-28 | Listed for sale | $4,750,000 |
For Sale by Agent
