Sellers: Gary and Denise Bennett

Address: 603 Bayberry Walk, Ocean Beach

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Asking price: $699,000

The basics: A four-bedroom, two-bathroom cottage on a 75-by-80-foot lot

The competition: A four-bedroom, two-bathroom home also on Bayberry Walk is listed for $839,000.

Recent sale in the area: There are no comparable sales within the past six months.

Taxes: $8,280

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Time on the market: Since June 6

Listing agent: Orlando Milian, Douglas Elliman Real Estate, Cherry Grove, 631-597-3100.

Why it's for sale: Gary, 65, a retired sheriff, and Denise, 60, who is retired from Nassau County OTB, say they have bought a home in Boca Raton, Florida

The Bennetts bought their 1,600-square-foot home in 1998. It has been their summer home, but it has heat and can be lived in year-round. Gary talks about their Fire Island retreat:

"There's lots of activity here. We're far enough from town that you don't hear the goings-on at night, but you can hear the ocean. . . . Three bedrooms are in the front. . . . and the master suite is in the rear. It's private. You're not disturbing your guests. . . . The whole house has hardwood floors. There are new sliding doors from the master bedroom to the deck, which leads to the large gazebo. . . . While I worked, my wife and kids lived here all summer. Now that I'm retired, we're here most of the time. . . . We have new plantation shutters. My wife maintains an English garden. There's always lots to do . . . basketball, tennis, yoga, a movie theater. There are two churches and a synagogue within walking distance. If you're a busy businessman or businesswoman and need to unwind and don't have a helicopter to go the Hamptons, this is for you. Leave Penn Station and head to the Bay Shore train station, then a $7 cab ride to the ferry and you're here."