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Buying a waterfront house on Long Island for under $1 million

With more than 1,000 miles of shoreline, Nassau and Suffolk counties are rich in waterfront properties, many with multimillion-dollar price tags. Some, however, can be had for less than $1 million. We’ve rounded up some here, in diverse styles and sizes.

Wading River: $899,000

This Wading River contemporary, with four bedrooms and
Photo Credit: Coldwell Banker Residential Brokerage

This Contemporary, with four bedrooms and three bathrooms, offers panoramic views of the Long Island Sound.  In addition to a viewing deck overlooking the Sound, which sits at the edge of a bluff on the 1.64-acre property, "every room in the house has a water view," says listing agent Cynthia Nevins of Coldwell Banker Residential Brokerage.

Wading River: $899,000

This Wading River contemporary, with four bedrooms and
Photo Credit: Coldwell Banker Residential Brokerage

Floor-to-ceiling sliding glass doors off the eat-in kitchen open to a back deck and in-ground pool. In the adjacent great room, there is a wall of glass, which includes double sliders. 

This Wading River contemporary, with four bedrooms and
Photo Credit: Coldwell Banker Residential Brokerage

The main-level master bedroom, featuring a full bathroom and walk-in closet, also boasts double sliding glass doors. The 1994 house, with taxes of $19,906, also includes a basement and an attached two-car garage. Cynthia Nevins, Coldwell Banker Residential Brokerage, 631-786-6939

Baldwin: $649,000

This Baldwin high-ranch, with four bedrooms and three
Photo Credit: Stonegate Real Estate

“You can bring your 50-foot yacht” to this four-bedroom, three-bathroom high-ranch, says Wendy Ponte of Stonegate Real Estate. The house features 113 feet of new bulkhead along Parsonage Creek, Ponte says. 

This Baldwin high-ranch, with four bedrooms and three
Photo Credit: Stonegate Real Estate

An elevated Trex deck, accessed by sliding glass doors off the eat-in kitchen, offers views of the water. The house, built in 1978, includes a lower-level family room with a fireplace and sliders that lead to the backyard. 

This Baldwin high-ranch, with four bedrooms and three
Photo Credit: Stonegate Real Estate

The main level features the living room, kitchen, formal dining room and three bedrooms, including the master, which has dual closets and its own bathroom. The 62-by-113-foot property, with taxes of $14,000, also has an attached one-car garage. Wendy Ponte, Stonegate Real Estate, 516-317-8889

Oakdale: $798,000

This Oakdale contemporary, with four bedrooms and three
Photo Credit: Douglas Elliman Real Estate

This four-bedroom, three-bathroom Contemporary sits along a canal and includes 60 feet of deeded dock equipped with water and electricity, says listing agent Barbara Leogrande of Douglas Elliman Real Estate. 

This Oakdale contemporary, with four bedrooms and three
Photo Credit: Douglas Elliman Real Estate

The double-height great room boasts a wall of windows with water views and a floor-to-ceiling stone and granite fireplace. The open layout on the main level also includes a kitchen with granite countertops and stainless steel appliances and a dining room. The master suite, on the upper level with two additional bedrooms, features a bathroom and walk-in closet. The 0.47-acre property, with taxes of $19,500, includes a two-car garage and a paver patio with water views. Barbara Leogrande, Douglas Elliman Real Estate, 631-553-8599

This Oakdale contemporary, with four bedrooms and three
Photo Credit: Douglas Elliman Real Estate

The master suite, on the upper level with two additional bedrooms, features a bathroom and walk-in closet. The 0.47-acre property, with taxes of $19,500, includes a two-car garage and a paver patio with water views. Barbara Leogrande, Douglas Elliman Real Estate, 631-553-8599

Bellmore: $299,000

This Bellmore floating house, with two bedrooms and
Photo Credit: Coldwell Banker Residential Brokerage

This two-level floating home, with two bedrooms and one bathroom, “is an extremely affordable way to live, not only by the water, but you’re really living in the water,” says listing agent Marc Handler of Coldwell Banker Residential Brokerage. The house, which Handler says is not considered a houseboat because it does not have a motor, sits on a canal and has an attached 59-by-23-foot property. 

This Bellmore floating house, with two bedrooms and
Photo Credit: Coldwell Banker Residential Brokerage

The house, with a distressed wood exterior, is constructed on a Fiberglas barge that allows the home to rise with the water. The main level includes a living room and dining room with a wood-burning fireplace and floor-to-ceiling windows, plus a kitchen with granite countertops, stainless steel appliances, gas cooking and sliders leading to a deck. A spiral staircase leads from the lower level, which includes the two bedrooms and bathroom, to the Fiberglas roof. 

This Bellmore floating house, with two bedrooms and
Photo Credit: Coldwell Banker Residential Brokerage

Handler says the bathroom is connected to the sewer system. The house has electricity, central air conditioning and heat, a washer and dryer, and natural gas hookups, Handler says. “It has all the comforts of home,” he says. The property, with taxes of $2,690, includes a two-car driveway, shed, grass with in-ground sprinklers, a plank that leads to floating docks and room for a boat. “It’s quite the view when you wake up in the morning you are actually on the canal,” Handler says. “It’s a special way to live.” Marc Handler and Nick Sakalis, Coldwell Banker Residential Brokerage, 917-689-2445

Copiague: $699,990

This Copiague Colonial, with three bedrooms and 2-1/2
Photo Credit: Douglas Elliman Real Estate

When at this three-bedroom, 2-1/2 bathroom Colonial, “you almost feel like you are sitting right in the middle of the bay,” says listing agent Lina Lopes of Douglas Elliman Real Estate. The house, at the end of a canal, is surrounded by water to the rear and side. 

This Copiague Colonial, with three bedrooms and 2-1/2
Photo Credit: Douglas Elliman Real Estate

An elevator leads to the main living area, which includes a living room with a fireplace, a dining room, and kitchen with granite countertops and stainless steel appliances. Sliding glass doors lead out to a deck that wraps from the living room to the kitchen. 

This Copiague Colonial, with three bedrooms and 2-1/2
Photo Credit: Douglas Elliman Real Estate

On the lower level, which Lopes says was raised and remodeled after superstorm Sandy, is the home’s original sitting area with fireplace. The 71-by-100-foot property, with taxes of $17,391, includes an attached garage and bulkhead along the canal. Lina Lopes, Douglas Elliman Real Estate, 631-487-3113

Cutchogue: $799,000

This Cutchogue ranch, with two bedrooms and one
Photo Credit: Town & Country Real Estate

This ranch, with two bedrooms and one bathroom, boasts 105 feet of waterfront and offers access to the Peconic Bay, says the home’s listing agent. 

This Cutchogue ranch, with two bedrooms and one
Photo Credit: Town & Country Real Estate

Situated on a creek, the property features a 4-by-80-foot catwalk and ramp that lead to a 6-by-20-foot floating dock with electric and water.  The 0.87-acre property also includes kayak racks and an attached two-car garage. 

This Cutchogue ranch, with two bedrooms and one
Photo Credit: Town & Country Real Estate

The house includes a living room with a fireplace, a kitchen with granite countertops and floors, and a dining room with sliding glass doors that open to a deck with water views. A walk-out lower level features a family room with a fireplace and sliders.  Patricia Richards, Town & Country Real Estate, 631-276-5261

Massapequa: $819,000

This Massapequa home, with three bedrooms and three
Photo Credit: Exit Realty Premier

This Craftsman-style house, with three bedrooms and three bathrooms, includes a boat slip and a boat lift. The house, with 12-foot elevation, is situated on a canal and features Navy bulkhead. 

This Massapequa home, with three bedrooms and three
Photo Credit: Exit Realty Premier

The home’s open floor plan, with acacia wood flooring, includes a kitchen with granite countertops, a center island and stainless steel appliances. The entertainment room boasts vaulted ceilings and sliding glass doors that lead to a paver patio overlooking the water. Also on the main level is a master bedroom with a full bathroom. 

This Massapequa home, with three bedrooms and three
Photo Credit: Exit Realty Premier

Built in 1949 and lifted in 2015, the house has vinyl siding and stone on the exterior, Andersen windows and gas heat, says the listing agent. The 85-by-85-foot property, with taxes of $19,945, is on a dead-end street and includes an attached two-car garage with an unfinished attic above. Tracey DeMeo, Exit Realty Premier, 516-459-4093

Southampton: $995,000

This Southampton cottage, with two bedrooms and one
Photo Credit: The Corcoran Group/Tony Calarco

This two-bedroom, one-bathroom cottage is on a canal that offers access to Shinnecock Bay and the ocean, says listing agent Antoinette Imperiale of The Corcoran Group.

This Southampton cottage, with two bedrooms and one
Photo Credit: The Corcoran Group/Tony Calarco

The house, which Imperiale says was built in 1950 and renovated after superstorm Sandy, includes a kitchen with stainless steel appliances and vaulted ceilings.

This Southampton cottage, with two bedrooms and one
Photo Credit: The Corcoran Group/Tony Calarco

The 750-square-foot house features 75 feet of new bulkhead, a waterside deck off the living and dining rooms, and an outdoor shower. The half-acre property, with taxes of $7,526, features two single and separate 0.25-acre lots, Imperiale says. Antoinette Imperiale, The Corcoran Group, 516-857-8348

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