Built in 2006, the three-bedroom, two-story house is on a peninsula...

Built in 2006, the three-bedroom, two-story house is on a peninsula where the Forge River meets Moriches Bay. Credit: Turn Key Photography

A three-bedroom, two-story Victorian in a waterside community in Mastic Beach is on the market for $439,000.

The two-and-a-half-bathroom house is on a quarter-acre on Spar Drive, set on a peninsula where the Forge River meets Moriches Bay between the mainland and Fire Island. It is a few blocks from Osprey Park, which has a picnic area, a fishing pier and a playground, and is a 15-minute drive to Smith Point County Park and Beach.

“It’s a beautiful area over there,” said listing agent Norma Dispenza of Daniel Gale Sotheby’s International Realty. “The last of affordable beach living.”

The house is 2,200 square feet and has central air conditioning, hardwood floors, a large eat-in kitchen with stainless steel appliances and pantry, formal dining room, living room, den, and a spacious main bedroom with cathedral ceilings and en-suite bath.

The eat-in kitchen.

The eat-in kitchen. Credit: Turn Key Photography

A home office/sitting room has a view of the bay.

“If you put this house in Patchogue right now, it would be over $600,000," Dispenza said.

Built in 2006, the house has a roomy front porch, and the backyard has a wooden deck and shed. The seller, who is the home's second owner, is moving nearby, Dispenza said.

The dining room.

The dining room. Credit: Turn Key Photography

The house is in a high-risk flood area and requires flood insurance, which Dispenza said an insurance broker estimated to cost $950 annually without a discount for proof of elevation. While the house is elevated, it’s unclear whether an elevation certificate exists to prove for insurance purposes, she said.

Taxes on the property, which is in the William Floyd School District, are $9,170.

The living area.

The living area. Credit: Turn Key Photography

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