109 Bay
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$3,499,000

109 Bay
Ocean City, NJ 08226
Bedrooms
6
Bathrooms
6.1
Living area
3,533 sqft
Year built
N/A

About this home

Some homes are measured by their square footage. Others are measured by the memories they create. Welcome to 109 Bay Avenue, where every room has been designed around one extraordinary feature, the unobstructed views of the open bay. From sunrise to Ocean City's legendary sunsets, the water becomes the backdrop to everyday life. Just three years old, this custom-built residence offers seven bedrooms, six full baths, and a powder room, thoughtfully designed for both luxurious entertaining and comfortable family living. Walls of glass flood the great room with natural light, while the open-concept kitchen, dining area, and living space flow effortlessly onto expansive waterfront decks, creating an indoor-outdoor lifestyle that defines shore living at its finest. Five separate decks, including a spectacular rooftop retreat, provide front-row seats to the ever-changing colors of the bay. Rich mahogany porch ceilings, gentle ceiling fans, and endless views make every outdoor space feel like a private resort. The primary suite is a destination unto itself. Wake to sparkling water just beyond two walls of sliding glass doors, step onto your private deck with a cup of coffee, and end each evening watching another unforgettable sunset. An elevator services every floor, making life as practical as it is luxurious. Whether carrying groceries, luggage, or guests, every detail has been thoughtfully considered. Several bedrooms feature private en-suite baths, providing comfort and privacy for family and friends, while the backyard pool offers the perfect place to relax after a day on the water or at the beach. Luxury isn't simply about living near the bay. It's about living with the bay as part of your everyday life. At 109 Bay Avenue, that experience is yours from nearly every room.

Property details

MLS #
609944
Property type
Ocean City/Northend
Subdivision
N/A
Status
Active
Days on market
41
On market date
July 16, 2026
Stories
N/A
Garage spaces
N/A
Lot size
N/A
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Nearby schools

Within 10 miles · public school directory data (NCES)

Elementary
Ocean City Primary School
0.75 mi away · Grades -1-3
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
293
Student:teacher ratio
7.9:1
District
Ocean City School District
Middle
Ocean City Intermediate School
2.16 mi away · Grades 4-8
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
430
Student:teacher ratio
8.4:1
District
Ocean City School District
High
Ocean City High School
0.89 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,231
Student:teacher ratio
9.8:1
District
Ocean City School District

Mortgage calculator

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Est. monthly payment
$21,221/mo
$699,800 down
$2,799,200 loan
Principal & interest$18,156
Property tax (est.)$2,916
Home insurance (est.)$150

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Data source: Listing information provided by SJSR via Trestle/CoreLogic. Last updated 19 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.