Exclusively offered by Owner & licensed Broker
Legal Two Family on your .own 1/4 Acre of Beach $1,798,000
Exclusively offered by Owner & licensed Broker
Property Overview
Property Overview & History Aquire a family lifestyle, rather than just buying a house. A century ago, this resilient waterfront structure served the bustling ferry trade between Greenwich, Connecticut and Bayville NY through the Long Island Sound ( Earliest FEMA records show 1930 construction). County records indicate that following World War II ( in 1948) this property on "Ferry Beach" was transformed into a premier two-family residence as a new build. Updated since ,as shown in multiple C of O's with the latest in 2005, the home stands as a modernized two family seaside retreat, offering a versatile floor plan with sweeping water views. Whether utilized as a private family compound or a strategic investment, this property represents a rare blend of historical charm and modern luxury.
Interior Sophistication and Expansive Space
5,000 sq ft. structure with over 3,500 sq. ft. of airy interior living space covered parking and storage ( see Floor Plan section below)
- Flexible Accommodations: 5 generous bedrooms and 3.5 modern bathrooms.
- Designer Finishes: High-resolution surround sound, a professional-grade Viking stove, and audiophile-grade built-in 11-speaker surround sound with REL subwoofer.
- Smart Infrastructure: Upper-level boiler room designed with a waterproof "pan" and dedicated drain, dual central air units, and dual hot water heaters.
The Private Shoreline Experience true exclusivity with approximately 80 feet of private beach frontage and over 11,000 square feet of deeded land extending to the "mid-high tide line."
- Outdoor Resort: Deeded beach access includes bar seating, hot tub, and covered living-room style seating. Three remote awnings. Multiple skylights.
- Community Perks: Membership in the Greenwich Avenue Home Owners Association (no dues) and permit-only street parking for residents.
- Strategic Neighbors: Adjacent to the historic Walls Wharf and within walking distance to the Crescent Beach Club.
HOA – No Dues The Greenwich Avenue Home Owners Association is comprised of myself and the other few property owners on Greenwich Avenue. There are no mandatory Association Dues because street management is on a volunteer basis. I serve as president of the Association. Upon a sale, I can recommend the new owner as president to interact with the Village; or the several other owners can make the selection. A copy of the Greenwich Avenue Property Owners Association designation is available on request.
Security of Ownership
To ensure a seamless transition, the property includes:
- A one-year Premium Home Shield Warranty covering all home systems.
- One year of prepaid, assignable FEMA-backed flood insurance.
- Remote front gate
- Comprehensive online security camera system plus seperate "Ring" camera/speaker door bell.
Schools
Locust Valley Central School
District.
Based on the current attendance zones for this address, the assigned schools are:
- Elementary School:
- Bayville Primary School (Grades PK-2)
- Bayville Intermediate School (Grades 3-5)
- Locust Vally Middle School ( Grades 6-8)
- High School:
- Locust Valley High School (Grades 9-12)
Frequently Asked Questions
What are the taxes and major operating costs? Approximate Annual Expenses:
- Nassau County Tax: $21,932
- Village, School: $4,602
- Flood Insurance (FEMA discounted, assignable, includes reserve fund): $3,973.
- Homeowners aprox. $5,200 ( found it for $4,200 but prefer not to change)
- Water by meter billed quarterly @ aprox. $50. .
Can the house be use
What are the taxes and major operating costs? Approximate Annual Expenses:
- Nassau County Tax: $21,932
- Village, School: $4,602
- Flood Insurance (FEMA discounted, assignable, includes reserve fund): $3,973.
- Homeowners aprox. $5,200 ( found it for $4,200 but prefer not to change)
- Water by meter billed quarterly @ aprox. $50. .
Can the house be used as an Airbnb ?
Yes, It can be used for short term ( under 14 day) rentals are permitted, provided the owner or a long term tenant remains in the house ( ie one of the apartments can be rented as an Airbnb) see Bayville Code sect. 80-66.1
Is the property at a safe water elevation and is the flood insurance transferable? Yes.
20 Greenwich Avenue was constructed with coastal resilience in mind. While the local FEMA Base Flood Elevation (the 100-year storm projection) is set at 13 feet, the main living area of this residence sits at an impressive 21.5 feet of elevation—nearly 9 feet safely ABOVE the regulatory flood plain ( see Elevation Certificate attached under "Your Water Elevation ..")
Because the primary living structure is elevated well beyond FEMA requirements, the home qualifies for highly favorable insurance parameters. The current owner’s fully compliant, assignable FEMA Flood Insurance Policy can be seamlessly transferred to the new buyer at closing, offering immediate, locked-in savings from Day One.The current FEMA-backed flood insurance is fully assignable to the new owner and will be prepaid for 12 months from the closing.
What are the boundaries of the private beach? Unlike many coastal properties where ownership ends at the bulkhead, this deeded property extends approximately 80 feet wide and runs north all the way to the "mid-high tide line." This ensures your quarter-acre of deeded land provides a level of shoreline privacy and space that is rare for the area.
How is parking managed on Greenwich Avenue? Greenwich Avenue is a private-feel corridor with permit-only street parking for residents who live on Greenwich Avenue, with summer weekend day parking prohibited on the property side of the street. All enforceable by the Village Constable and Nassau County under NY Public Parking Law 2015-7. Additionally, the property features a private front gate for secure on-site parking.
What are the other neighboring beaches? To the east is the Bayville Soundside Beach, a gated community park with a playground available only to Bayville residents with a village permit. To the west is the private beach controlled by the Sound Beach Avenue property owners. This creates a quiet, residential buffer around the property.
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How flexible is the floorplan? The approximately 5,000 sq. ft. structure with 3,500 sq. ft. of living space has a flexible two-family floor plan with soundproofing between the units. It can be utilized as an owner's duplex with 3 bedrooms and 2.5 baths, plus a rental duplex with 2 bedrooms, private terrace, full bath, separate central AC,
How flexible is the floorplan? The approximately 5,000 sq. ft. structure with 3,500 sq. ft. of living space has a flexible two-family floor plan with soundproofing between the units. It can be utilized as an owner's duplex with 3 bedrooms and 2.5 baths, plus a rental duplex with 2 bedrooms, private terrace, full bath, separate central AC, and zoned heat with built-in washer/dryer; or a rental studio with separate kitchen, washer/dryer, and full (tub) bath ( see floor plan options below
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What does the Premium Home Shield Warranty cover? The property will be delivered with a one-year Premium Home Shield Warranty paid for by the seller. This covers the repair or replacement of major home systems, including the dual central air units, plumbing, and electrical systems, providing the buyer with absolute peace of mind for the first year of ownership.
How is the climate and hot water managed for a two-family setup? The home is engineered for total independence and redundancy. It features two separate Central Air units (one for each apartment) and dual hot water heaters, ensuring that both living spaces have dedicated, high-capacity utilities without interference.
What kind of outdoor shade is available? The deck and outdoor living areas are equipped with large, remote-controlled rollup awnings. These have been recently fully rebuilt by the factory to "as-new" condition, providing instant shade and protection at the touch of a button.
Are the living spaces truly private and quiet? Yes. To ensure maximum privacy between the two-family living areas, the shared walls have been soundproofed on both sides, significantly reducing noise transfer and creating a peaceful environment for both occupants
What are the storage and natural light features? The home is bathed in natural light via multiple skylights. For storage, there is a clean, stand-up attic with ample space—a rare feature in waterfront homes that often lack storage depth.
How is the property secured? A comprehensive online security camera system is installed, allowing for remote monitoring of the property from anywhere in the world. This is in addition to the remote-controlled front gate
Does the home have fireplaces? Yes. The wood-burning fireplace is in the entry room with expansive windows facing the bea
How is the property secured? A comprehensive online security camera system is installed, allowing for remote monitoring of the property from anywhere in the world. This is in addition to the remote-controlled front gate
Does the home have fireplaces? Yes. The wood-burning fireplace is in the entry room with expansive windows facing the beach (currently serving as a formal dining room). It features a fully serviced chimney, chimney cover, cap, and flashing. The ceiling joists around the fireplace were professionally replaced. There is also a lifetime warranty on the custom-made stainless steel chimney cover that applies to any owner of the property. Receipts and warranty information are provided on request.
There is also a removable ventless gas fireplace in the other beach-facing room with expansive views of Long Island Sound (currently serving as the living room). This gas fireplace looks like a "built-in," but it can be removed if a new buyer wishes to remove the wall between the two large beach-facing rooms to create a massive open room on the ground floor.
What is the relationship with the neighboring restaurant? Walls Wharf is a long-standing local landmark that has been family-owned for generations. We maintain a positive relationship with the owners; they utilize valet parking seasonally to ensure the 20 Greenwich Avenue driveway remains clear. Their proximity offers a unique "amenity" feel, allowing for easy waterfront take-out and dining just steps from your door.
Are there noise restrictions for the nearby Crescent Beach Club? Yes. The Crescent Beach Club is a premier wedding destination, but it operates under a Memorandum of Understanding (MOU) with the local community. This agreement includes strict limitations on music volume, end times, and dates. 20 Greenwich Avenue is specifically included in this MOU, and a copy of the agreement is available for review upon request.
Experience the Best of 20 Greenwich Avenue Bayville, NY - Photo Gallery
Floor Plan for 5,000 SQ Ft of Structure with over 3,500 sq ft of Living Space
First Floor
Second Floor
OPTION #1-- 3 bd, 2 1/2 Bth for owner plus 2bd rental
Option #1 Owner's Duplex, 3 bd, 3 bth, W/D, covered Parking- 3 cars Rental Duplex, 2 BD, 1 BTH W/D, Covered Parking -2 cars
Second Floor of Rental with Private Deck
Option # 2 - Owner's 2 bd, 1 1/2 Bth & 3 bd 2 bth rental
In this configuration the first floor is the same as option #1 with an additional bedroom and bath upstairs for the rental. A three bedroom two bath on the beach with private covered parking would
produce significant income aa a rental , while leaving the owner with an expansive two bedroom ( each with private decks ) and one and a half baths, that would encompass most of the living space.
OPTION #3 -- Expansive 4 BD, 2.5 BTH FOR OWNEr PLUS Rental
In this configuration the owner enjoys the most space, while providing a comfortable environment for renters, with private beach deck and covered parking that will produce income to offset the ownership costs. The house can be used for short term ( under 14 day) rentals provided the owner or a long term tenant remains in the house ( ie any one of the apartments can be rented as an Airbnb) . This configuration could be used to produce maximum income per sq ft of rental while allowing the owner's family to fully experience beach front living in privacy. This configuration is also beneficial for owners who travel often and want the house to be occupied.
Covered Parking, Building Systems, Storage attIcs
01/12
Famous Bayville 4th of July as seen from your deck
Relax watching breathtaking Sunsets from your deck
Enjoy Visits from local wildlife to your back window, including deer, DOLPHINs, piping clover and OCCASIONAL pilot whales
Historical Phot0s of the property and it's former "Ferry Beach" SURROUNDINGS
Your Water Elevation , Association, Village parking restrictions, OWNERSHIP RIGHTS IN THE NEIGHBORING BEACH and CRESCENT Club relationship
Save HUNDREDS OF THOUSAND$
Aggressively Priced to Sell – Save Hundreds of Thousands of Dollars
- $200,000+ Total Value Adjustment: Includes a direct price reduction of $190,000 plus substantial seller concessions.
- Broker-Direct Savings: As a NYS licensed broker, the seller is passing the savings of traditional seller’s fees directly to the buyer.
- Significant Market Discount: Offered at nearly $250,000 less than popular real estate listing website estimates and recent comparable area sales.
- Exclusive Seller Concessions: Sale includes 12 months of prepaid (assignable FEMA-backed ) Flood Insurance PLUS a comprehensive Home Shield Service Policy for Both Central Air, Boiler, Hot Water Heaters, Washer Dryers, Stoves ( including the Viking Stove and Viking Vent and numerous other home systems ( copy upon request) .
Value Analysis & Published Records Further Outlined Below
Reported as of May 3, 2026
I. Price History: 20 Greenwich Avenue
The current offering reflects a major price cut from previous listing levels, supplemented by added seller concessions.
- 10/25/2025: Listing Removed at $1,988,000 ($559/sq. ft.)
- Current Offering: $1,798,000 (Reflecting a $190,000 direct reduction)
II. Published Real Estate Estimated
Current online valuations for 20 Greenwich Avenue sit significantly higher than the current asking price:
- Zillow: $1,912,700
- Homes.com: $2,042,000 ($574/sq. ft. Property Highlights Noted by Estimates:
- Water Views & Deeded Beach Access
- Expansive Deck & Sound Frontage
- Locust Valley High School (Rated A)
- 3-minute walk to Soundside Beach Playground
III. Comparable Sales Analysis
Recent sales for comparable homes in Bayville are as high as $250,000+ more than the current price for 20 Greenwich Avenue Bayville NY As reported two of those most recent sales are for; $1,900,000 and $2,050,000 respectively, with:
- Less square footage
- Smaller lot sizes
- Less on-site parking
SOLD ON MARCH 27, 2026
$1,900,000
Two Family
5 bd. 2 ba - Aprox. 2,875 sq ft
23 E Shore DR, Bayville NY 11709
SOLD ON DEC. 23, 2025
$2,050,000
4 bd 3ba - Aprox. 2,838 sq ft
50 Ships Point Ln, Oyster Bay, NY 11771
NOW FOR SALE
$1,798,000
Two Family
5 bd 3.5 ba - Aprox. 3,553 sq ft
6+ on site parking Plus private street parking .
20 Greenwich Ave Bayville NY, 11709
IV. Detailed Seller Concessions
To ensure a turn-key transition, the following are included in the sale:
- Prepaid Flood Insurance: Seller will provide a credit to the Buyer for the first 12 months of assignable, FEMA-discounted flood insurance.
- Comprehensive Warranty: Seller will pay for a Premium Home Shield Service Policy. This covers repairs of all home systems and appliances, including "double" systems (dual Central AC, dual water heaters, dual laundry, and zoned heat).
- Premium Personal Property (Buyer’s Option): All outdoor furnishings and fixtures—including the hot tub, multiple seating areas, barbecue, and custom bar—are available to be included in the sale as well as a substantial portion of the indoor furniture.
the owner/broker
NYS Licensed Broker
NYS Licensed Broker
NYS Licensed Broker
Thomas Kevin Murtha, Licensed Real Estate Broker NYS Broker Number: 10351220628.
Buyers Broker's Protected
NYS Licensed Broker
NYS Licensed Broker
DIRECT CONTACT and MORE INFO.
Web, Cell or Email for faster result
US Mail
T. Kevin Murtha
Murtha & Bird PC Attorneys at Law.
45 Post Avenue 11590;
WEB
20GreenwichBayville,com
CELL
516-744-2850
OFFICE
516-997-1075
Your Savings
NYS Licensed Broker
Your Savings
Please contact the Owner/ Broker directly for a faster response.The MLS listing broker is Greene Realty on behalf of T. Kevin Murtha ( the Owner -Selling /Broker) Any inquiries to Green are forwarded to the Owner/Selling Broker so DIRECT CONTACT as shown here will be faster. In all , this seller's adjustment allows the property t
Please contact the Owner/ Broker directly for a faster response.The MLS listing broker is Greene Realty on behalf of T. Kevin Murtha ( the Owner -Selling /Broker) Any inquiries to Green are forwarded to the Owner/Selling Broker so DIRECT CONTACT as shown here will be faster. In all , this seller's adjustment allows the property to be offered at a price that reflects a rare opportunity for a buyer.
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Contact
Thomas Kevin Murtha ESQ
C/O Murtha & Bird PC Attorneys
45 Post Ave. Westbury NY 11590
Cell (516) 744-2850 (preferred)
Direct (516 ) 997-1075
NYS RE Lic.10351220628
20 Greenwich Ave, Bayville, NY 11709, USA
516 744-2850 Call or Email 20greenwichbayville@gmail.com
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