CCertihomes
4 Oak Island, Hammond, NY 13646

$2,495,000

3 beds 2 baths 1,320 sqft Built 200222 days on marketActive

About this home

Welcome to your dream getaway on the breathtaking Oak Island. This exceptional waterfront property offers a perfect blend of charm and modern luxury. The main house features 3-bedroom, 2-bath, vaulted ceilings, hardwood floors throughout. custom designed kitchen with island, stone fireplace and floor to ceiling windows that showcase the expansive views of the River. Also features a beautiful bunkhouse with 2-bedrooms. and full bath, which comfortably sleeps 6 people. And for you boaters one of the finest boathouses on the river with protected deep water dockage with room enough for over 10 boats. Above the boathouse you will enjoy a great room with hardwood floors, custom woodwork and open floor plan for entertaining your family and guests! Whether you're looking for a family retreat, a summer escape, or an entertainer's dream, this Oak Island paradise has it all. You will enjoy relaxing on one of the many porches as you watch the ships & sunsets that go by Dark Island Castle. Call now as properties like this rarely come on the market.

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrJumbo at 4% APR.

Your estimated payment
$15,516/mo

Real estate (PITI + HOA + PMI)
$15,908
Principal + interest$11,316
Property tax + insurance$3,656
PMI / 2nd mortgage$936
Utilities
$908
Heating + cooling$306
Internet + TV + phone$130
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$130
$15,516/mo TLC
Budget$16,016/mo
Remaining after TLC$500/mo
Purchase price
$2,495,000
Down payment
$124,750 (5%)
Loan amount
$2,370,250
APR
4%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
2002
Lot size
1.7 ac
Stories
0
Heating
Electric, Baseboard
Cooling
Water
Other, SeeRemarks
HOA
Annual tax
$16,565
MLS #
S1609565
County
St Lawrence

At a glance

Fireplace
Waterfront

Home features

Appliances
DryerDishwasherElectricWaterHeaterGasOvenGasRangeMicrowaveRefrigeratorWasher
Interior
CathedralCeilingsKitchenIslandKitchenFamilyRoomComboLivingDiningRoomPantryPartiallyFurnishedSlidingGlassDoorsStorageSolidSurfaceCountersNaturalWoodworkBedroomOnMainLevelConvertibleBedroomBathInPrimaryBedroomWorkshop
Exterior
DeckDockSeeRemarks
Parking
NoGarage
Flooring
Hardwood, Tile, Varies
Roof
Architectural, Shingle
Sewer
SepticTank

Lot features

IrregularLot, Secluded, Wooded

Schools

Elementary
Hammond Central School
Middle
Hammond Central
High
Hammond Central Sch

Neighborhood — 13646

MetricThis ZIPCountyUSA
Population2,40719,351,094299,088,112
Population Change Since199014.00%8.00%20.00%
Population Density19395
Male1,2099,381,926147,432,321
Female1,1989,969,168151,655,844
Never Married4154,946,39163,775,926
Married1,1647,166,701123,120,365
Separated471,159,67312,639,686
Widowed1431,110,24515,467,586
Divorced1431,210,44823,075,029
Number Of House Hold8617,102,016111,826,380
Average House Hold Size2.802.642.60
Medial Age37.4736.5335.46
Median House Hold Income$35,832$49,847$48,276
Average House Hold Income$43,443$70,032$63,629
P C I$15,540$26,569$24,529
M D I$31,579$42,210$41,133
A T H E$39,916$54,185$50,898
S T R7.00%4.00%
W C J80.53%81.55%77.74%
(Zip) Code
13646

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 5/28/2025. Provided courtesy of Garlock Realty via Buffalo MLS. Information deemed reliable but not guaranteed.