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104 N Derby Ave , Ventnor City, NJ 08406
$759,000
Est. Payment: $4,098.61/mo
2 Bed
2 Bath
1066 Sqft
0.04 Acres
Status: active | Days on site: 15
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OCFRLTY - 3181082
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House Description

Take advantage of an exceptional combination of location, lifestyle, and waterfront living with this truly rare Ventnor bayfront home—an absolute dream for boat lovers and Jersey Shore enthusiasts alike. Set on a high elevation, this exceptionally well-positioned property offers peace of mind, having never experienced flooding, including during Hurricane Sandy. Boaters will appreciate the 50-foot boat slip just steps from the home, offering direct bay access with easy passage to the ocean via both the OC and AC inlets. Whether you enjoy cruising, sport fishing (the owner previously docked a 46’ sportfishing boat), kayaking, paddleboarding, or simply relaxing on the calm bay waters, this home delivers the ultimate waterfront lifestyle. Inside, the home is super cute, very well maintained, and thoughtfully designed to maximize comfort and functionality. It features vinyl plank flooring, updates throughout and a neutral color pallet offering a modern feel. With 2 bedrooms, 1.5 baths, an updated eat-in kitchen, and a cozy living room with fireplace that opens to a deck with breathtaking bay views and unforgettable sunsets—perfect for entertaining or unwinding with the coastal breeze. A charming front yard adds to the home’s curb appeal and island character. The location truly sets this property apart. Just 2.5 blocks to the beach and boardwalk, minutes from Ventnor’s beautiful shoreline, and moments from the thriving Ventnor Heights dining and business district, including Red Room, The Dorset, Wahine Wine, Ventnor Coffee House, and Custard’s Last Stand. Downtown Ventnor Heights is on the rise, making this an exciting opportunity to enjoy and invest. Additional highlights include quick bridge access, AC Expressway Exit 2, and proximity to everyday conveniences such as Acme, Starbucks, and Island Gym. By boat, enjoy waterfront dining at Tideline, Lamberti’s, Wonder Bar, and more. Ventnor Heights Ski Beach summer nights every Wednesday are just a hop, skip, and jump away. Bayfront opportunities at the Jersey Shore are incredibly limited—and this one is well under $1 million, making it truly special. Option for a quick close, so you can have your new home ready for summer. Don’t miss your chance to own this exceptional piece of Ventnor bayfront paradise.

Highlights

Listed by Jacqueline M Silva , 2156943003 OCF Realty LLC - Philadelphia , 2157357368. Bright MLS

Property Type

Residential

Lot/Acreage
0.04

Year Built

1907

County

Atlantic

Area

Ventnor City (20122)

Neighborhood

Ventnor

School District

Ventnor City Schools

Listing ID

NJAC2027352

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:2
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Air Cond:Wall Unit
Fireplaces:1 Fireplace
Floor:Luxury Vinyl Plank
Above Ground Sq Ft:1066
Other:
  • ▪ Main Floor Bedrooms:2
  • ▪ Additional:Combination Kitchen/Dining, Floor Plan - Traditional, Kitchen - Eat-In
Water:Public

Exterior Features

Lot:Canoe/Kayak,Boat - Powered,Public Access,Not New Construction,Horse Property: No
Lot Dimensions:20.32 x 85.00
Zoning:07
Sewer:Public Sewer
Principal Interest
$4,099
Taxes
$459

Home Price

$759,000

Loan Details

30 yrs
7.144%

Down Payment

20%
$151,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,098.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,098.61 $458.83 $0.00 $4,557.44
Yearly $49,183.30 $5,506.00 $0.00 $54,689.30
Total $1,475,499.12 $165,180.00 $0.00 $1,640,679.12
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Chico Gordy
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Market insight data is pulled from the same city as the listing being viewed (Ventnor City, NJ).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bright MLS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-11-14T03:13:49.000Z

© 2026 Bright MLS