Opportunity meets potential at 10 S Phillips Avenue in Speonk - investors and end users, this one is for you! Currently a 3 bed/2 bath ranch, this property is also zoned for business use with true taxes of $2975/year! So whether you're looking for a place to call home or a property with business possibilities, this great ranch offers flexibility that's hard to find! Set on a .17-acre lot with a spacious driveway, this home features hardwood floors, a formal dining room, central air conditioning, propane gas cooking, and a versatile sunroom that can easily serve as a second living area, home office, or bonus space. A partial basement provides additional storage, while a spacious attic with pull-down stairs offers exciting potential for future expansion, subject to proper approvals. Enjoy the possibilities of residential living with added flexibility for permitted business use! Conveniently located near Montauk Highway, the Speonk LIRR station, and Sunrise Highway, with Westhampton Beach Village, shopping, dining, and beautiful ocean beaches just a short drive away. Whether you're looking to create your next home or explore the possibilities of a property with business zoning, this is an opportunity you don't want to miss!