# 1646 Payne Road, Block Island, RI 02807 > **TL;DR:** 3bd/3ba single family, $2,575,000 ($878/sqft), built 1996, 2,934 sqft. > Fireplace, View, Hardwood, A/C. Est. $13,772/mo. Listed 21 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $2,575,000 | | Price/sqft | $878 | | Bedrooms | 3 | | Bathrooms | 2 full, 1 half | | Square Feet | 2,934 | | Year Built | 1996 | | Lot Size | 26,572 sqft (0.61 acres) | | Stories | 3 | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 21 | ## Why This Home Stands Out - **Views** - Water - **Hardwood Floors** - Hardwood flooring listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $13,021 | | Estimated Insurance | $751 | | **Total** | **$13,772** | ## Key Amenities - Fireplace - View - Hardwood - A/C ## Property Highlights - Built in 1996 - 0.61 acre lot - 3 stories - 3 parking spaces - Fireplace ## Description ### Agent Description Discover the ease of island living at 1646 Payne Road, a truly turnkey Block Island retreat offering 3 bedrooms, two and a half baths, and lovely ocean views with beautiful sunrises. Thoughtfully updated and tastefully decorated, this inviting home is ready to enjoy from day one. Recent improvements include a new roof, expanded Trex decking and air-conditioning, creating a comfortable setting for relaxing and entertaining throughout the season. The first floor offers a sleek updated kitchen, living and dining areas, half bath, den and an office space. Three quarter wrap around deck with new enclosed outdoor shower. The second floor is comprised of a spacious king primary bedroom with an en-suite bathroom featuring a soaking tub, tiled shower and dual vanities Two additional guest bedrooms, shared bath and laundry nook. Step outside onto the new second floor deck to sit and relax and take in those lovely island views. Bonus finished third floor family room. Ideally located within close proximity to Old Harbor, the property offers the perfect balance of convenience and tranquillity. Spend your days exploring Block Island's beautiful beaches, enjoying local restaurants, and browsing the island's shops, all just a short ride away. Whether you are looking for a year-round residence, a summer getaway, or a special place to gather with family and friends, don't miss this wonderful opportunity to embrace the best of Block Island living. ## Location - **Address:** 1646 Payne Road, Block Island, RI 02807 - **County:** Washington - **Neighborhood:** Central - **Coordinates:** 41.158881, -71.569535 - **Google Maps:** https://www.google.com/maps?q=41.158881,-71.569535 ## Virtual Tour & Media - **Video Tour:** https://tour.RiLiving.com/1646-Payne-Road-Block-Island-RI-02807 ## Listing Agent - **Name:** Shannon Morgan - **Brokerage:** Sullivan Real Estate - **Broker Phone:** (401) 864-0996 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1646-Payne-Rd_Block-Island_RI_02807_M38417-18970?f=listhub&s=SWMLSRI&m=1425826&c=propsimple) ## Photos ![1646 Payne Road - Photo 1](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f2516353840r.jpg) ![1646 Payne Road - Photo 2](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f83990452r.jpg) ![1646 Payne Road - Photo 3](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f1208978059r.jpg) ![1646 Payne Road - Photo 4](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f102829416r.jpg) ![1646 Payne Road - Photo 5](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f288925876r.jpg) ![1646 Payne Road - Photo 6](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f2042007680r.jpg) ![1646 Payne Road - Photo 7](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f545618248r.jpg) ![1646 Payne Road - Photo 8](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f478154534r.jpg) ![1646 Payne Road - Photo 9](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f2998889052r.jpg) ![1646 Payne Road - Photo 10](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f3373134410r.jpg) ![1646 Payne Road - Photo 11](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f791368623r.jpg) ![1646 Payne Road - Photo 12](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f3521850942r.jpg) ![1646 Payne Road - Photo 13](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f367924641r.jpg) ![1646 Payne Road - Photo 14](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f1257015545r.jpg) ![1646 Payne Road - Photo 15](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f99967440r.jpg) ![1646 Payne Road - Photo 16](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f2990575377r.jpg) ![1646 Payne Road - Photo 17](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f1196412748r.jpg) ![1646 Payne Road - Photo 18](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f1906036354r.jpg) ![1646 Payne Road - Photo 19](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f2340820222r.jpg) ![1646 Payne Road - Photo 20](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f4011881527r.jpg) ![1646 Payne Road - Photo 21](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f555554611r.jpg) ![1646 Payne Road - Photo 22](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f1903461738r.jpg) ![1646 Payne Road - Photo 23](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f1611805392r.jpg) ![1646 Payne Road - Photo 24](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f3914746238r.jpg) ![1646 Payne Road - Photo 25](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f2675460416r.jpg) ![1646 Payne Road - Photo 26](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f91212702r.jpg) ![1646 Payne Road - Photo 27](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f4142261658r.jpg) ![1646 Payne Road - Photo 28](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f3919855046r.jpg) ![1646 Payne Road - Photo 29](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f3627314520r.jpg) ![1646 Payne Road - Photo 30](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f4196149694r.jpg) ![1646 Payne Road - Photo 31](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f3995937264r.jpg) ![1646 Payne Road - Photo 32](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f578855548r.jpg) ![1646 Payne Road - Photo 33](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f3079830830r.jpg) ![1646 Payne Road - Photo 34](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f3588245976r.jpg) ![1646 Payne Road - Photo 35](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f106707218r.jpg) ![1646 Payne Road - Photo 36](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f889837155r.jpg) ![1646 Payne Road - Photo 37](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f2758797490r.jpg) ![1646 Payne Road - Photo 38](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f3592317863r.jpg) ![1646 Payne Road - Photo 39](http://lh.rdcpix.com/c24413b8f33cb7ad1dca6b31e034ddd1l-f1541573186r.jpg) --- **MLS#:** 1425826 | **Updated:** 2026-10-27 **Source:** listhub *Copyright © 2026 State Wide MLS of Rhode Island, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/1646-payne-road-block-island-ri-02807-b897c6e6894647fca65a2079e88856ed) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/1646-payne-road-block-island-ri-02807-b897c6e6894647fca65a2079e88856ed#listing", "url": "https://staging.propertysimple.ai/listing/1646-payne-road-block-island-ri-02807-b897c6e6894647fca65a2079e88856ed", "name": "1646 Payne Road, Block Island, RI 02807", "description": "Discover the ease of island living at 1646 Payne Road, a truly turnkey Block Island retreat offering 3 bedrooms, two and a half baths, and lovely ocean views with beautiful sunrises. Thoughtfully updated and tastefully decorated, this inviting home is ready to enjoy from day one. 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