89 Lloyd Harbor Road
Lloyd Harbor, NY, 11743 $ 2,495,000
Bedrooms5 Baths4.1 Monthly Estimate*
$ 15,566
for $2,495,000 with 5 bedrooms and 4 full baths, 1 half bath. This home was built in 2016 on a lot size of 2.
Enjoy spectacular 180 degree water views and timeless Hamptons style at "Harbor Lights", a nine-year-old custom home perched on the shores of Lloyd Harbor. Combining classic architectural charm, modern high-efficiency systems, and a prime, close-to-town location, this home delivers beauty, practicality and easy living. The approach begins with a pebbled courtyard leading to a wraparound porch that welcomes you to relax with the harbor breeze while soaking in those gorgeous views. Step inside to 10-foot ceilings on the main and second floors, oversized windows, and mahogany French doors flooding the interiors with natural light. Brazilian Walnut floors and detailed millwork carry a sense of warmth and elegance throughout. The main level features gracious living and dining rooms, a chef’s kitchen with floor-to-ceiling cabinetry and top-tier appliances, and a cozy den with fireplace opening to a large deck. A sun-filled first-floor bedroom with full jacuzzi bath doubles as an office with its own porch access—ideal for receiving guests or clients. Upstairs, the primary suite is a luxury retreat, including a spa-like bath with steam shower, jacuzzi, and Italian tile finishes, a walk-in closet with custom built-ins, and arched French doors leading to a private balcony. Three additional bedrooms and a convenient laundry area complete the second floor. The dramatic third floor, finished with soaring ceilings and gleaming shiplap, offers space for a gym, playroom, office, or additional storage—all filled with natural light and spectacular views. The basement provides yet more versatility with a partially finished walkout, abundant storage racks, workshop area, and large utility sink. A modern high-efficiency gas boiler paired with whole-house foam insulation keeps annual propane costs impressively low, typically under $2,000. As part of the prestigious Lloyd Neck Estates Association, residents enjoy a private beach with neighborhood events like lobster bakes and barbecues, and access to Lloyd Harbor’s residents-only tennis, pickle ball, volleyball courts, playground, lifeguarded swimming, showers, and a beloved summer camp with sailing, water skiing, and tennis. This private paradise is just a short ride from Huntington Village, known as Long Island’s premier downtown, with over 100 restaurants and bars, boutique shopping, live entertainment at the Paramount Theater, a six-screen cinema, and festive parades year-round. Harbor Lights offers unmatched elegance, efficiency, and community—waterfront living at its very finest.
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FeaturesInteriorInterior Amenities First Floor Bedroom First Floor Full Bath Cathedral Ceiling(s) Ceiling Fan(s) Central Vacuum Chefs Kitchen Crown Molding Double Vanity Eat-in Kitchen ENERGY STAR Qualified Door(s) Entrance Foyer High
Basement Crawl Space Partially Finished
Flooring Wood
Total Fireplaces 3
Fireplace Features Basement Electric Living Room
Basement Features Crawl Space Partially Finished
Basement (Y/N) Y
Fireplace Y/N Y
Half Baths 1
Total Bedrooms 5
Total Baths 5
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GeneralSewer Septic Tank
Heating Hydro Air
Cooling Central Air
Utilities Cable Available Electricity Available
Appliances Dryer Gas Cooktop Stainless Steel Appliance(s)
HOA Fee 1200
Association Fee Includes Common Area Maintenance Snow Removal
Architectural Style Colonial
Construction Materials Advanced Framing Technique
Year Built 2016
View Water
Property Subtype Single Family Residence
Tax Year 2024
Parcel Number 0403-007-00-02-00-041-000
Assoc Fee Paid Per Annually
County Suffolk County
Property Type Residential
HOA Y
Facing Direction South
Garage Y/N N
Total Rooms 15
Full Baths 4
High School Cold Spring Harbor High School
City Huntington
Senior Community Y/N N
High School District Cold Spring Harbor
Carport Spaces 2
Carport Y/N Y
Elementary School Lloyd Harbor School
Property Attached Y/N N
Tax Annual Amount 30712.58
Showing Instructions Call L/A Shalini Schetty 516-643-2868
Middle/Junior High School Cold Spring Harbor High School
Virtual Tour https://photoz.aryeo.com/sites/weowlwb/unbranded
Building Area Units Square Feet
Standard Status Pending
Middle/Junior School District Cold Spring Harbor
Elementary School District Cold Spring Harbor
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ExteriorParking Features Driveway Driveway
Water Source Public
Total Parking 6
Parking Spaces 6
Waterfront Y/N N
Horse Y/N N
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* Excluded FeaturesList ByShalini M. SchettyListing Agent
Americana Realty Group LlcBroker
Affordability Calculator
- Monthly Principal & Interest
- $15,566
- Monthly Property Taxes
- $2,559
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Lloyd Harbor, NY
Average List Price $4,402,565
Percent of Sale Price 76%
About Lloyd Harbor, NY 3,629 Population
-1% Since 2002
$ 205,858 Median Income
36.87 Median Age
50% Households with Children
Trends Information provided by ATTOM Data Solutions.
5121323 Elementary School
4100074 Middle School
Cold Spring Harbor High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 9/10/2025 | $2,495,000 | -10.89% | Price Down |
| 8/23/2025 | $2,800,000 | | Listed Price |