Would like to move closer to water, help choosing neighborhood (Islip: insurance, houses)

[formi]

We are planning to move from the middle of the island closer to water - either north or south shore.
I would like to get help in identifying neighborhoods that fit our criteria.

Here is what we are looking for:
- More privacy - houses should be well separated, 1/4 acer lots or larger (preferably over 0.5 acre)
- Tree lined streets - we like country feeling, not suburbia.
- On the water or walking distance to water, marina, or easy drive to a boat ramp (<5min).
- Not in a flood zone
- Easy highway access
- Close to train station (walking distance preferable but 5-10 min easy drive is also ok)
- Preferably smaller house (3br)
Price - prefer to stay below 800k, for perfect place may go up to 1M.

Let me tell what I have eliminated.

East of Oakdale is too much east. Islip/ East Islip is too far from highway.

Oyster Bay through Cold Spring Harbor area, didn’t like the vibe and local driving. Sea Cliff area, difficulties getting from/to highways. Everything else north and south seems to be outside of the price range, or too suburban or too far from highways.
Babylon seems like a nice place, but could not find streets that fit my criteria.

Here are the areas that, I think, more or less fit the criteria. Some blocks in Brightwaters, a few streets in West Bay Shore, a few streets in West Islip (Eaton Ln, Magoun Rd area), Great River(though, seems boring), a couple of blocks in Oakdale, Kings Park (area bordering Sunken Meadow).

Do you think there are any areas, streets, neighborhoods that I’m missing and should check out?
Or maybe some of the neighborhoods that I'm considering, I should not?

Thanks.

[markjames68]

I know it’s too far east for you but otherwise Setauket/Strongs Neck would be perfect. I take it you have a city commute?

[formi]

I don’t need to commute now, but it’s a possibility in future, have to plan for it.
Thanks for suggestion, nice area.

[markjames68]

Originally Posted by formi

I don’t need to commute now, but it’s a possibility in future, have to plan for it.
Thanks for suggestion, nice area.

I’d start looking west from there on the north shore until you get comfortable or go over budget. You’re going to get the tree-lined country feeling more north than south.

[twingles]

On the water with a country feel but easy highway access AND walkable to a train station???

[gx89]

Originally Posted by twingles

On the water with a country feel but easy highway access AND walkable to a train station???

There is a name for this and it is cold spring harbor.

[formi]

Originally Posted by twingles

On the water with a country feel but easy highway access AND walkable to a train station???

And you forgot to mention not in a flood zone

If it was easy, I would not be asking.

I was surprised, but there are few streets here and there that fit the criteria. Each time I discovered them by accident. I’m pretty sure I’m missing some also.

[twingles]

Keep in mind even if you are not in a flood zone if you are within a mile of the water - any water - as the crow flies it will be very difficult to get HO insurance.

[Elke Mariotti]

Originally Posted by formi

And you forgot to mention not in a flood zone

If it was easy, I would not be asking.

I was surprised, but there are few streets here and there that fit the criteria. Each time I discovered them by accident. I’m pretty sure I’m missing some also.

What does your Realtor suggest?

[formi]

Originally Posted by twingles

Keep in mind even if you are not in a flood zone if you are within a mile of the water - any water - as the crow flies it will be very difficult to get HO insurance.

Thanks, didn’t realized that. Will check with my insurance.