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Presented by
Team AFA - Darien |
Welcome to 20 Twelve Oaks Trail, located at the end of a quiet cul-de-sac in The Trails. This stunning custom riverfront estate opens into a world of privacy, scale, and architectural presence that is almost impossible to replicate. Set on 1. 31 wooded acres along the Tomoka River, the property feels hidden, calm, and deeply connected to its natural setting, with mature trees, a long circular drive, and a sense of arrival that begins before you ever step inside. The house itself is striking in a way that ordinary luxury homes are not. Designed with real architectural intention and modern finishes, it unfolds through soaring ceilings, expansive glass, strong lines, and light-filled spaces that pull the outdoors inward at every turn. The main living spaces are dramatic without feeling cold, open without losing intimacy, and unmistakably custom in character. No detail was overlooked in the recent renovations: ROOF (2023) • A/C (2023) • MOST WINDOWS & SLIDERS (2024) • BATHROOMS UPDATED (2024/2025) • NEW FLOORING IN BEDROOMS & FAMILY ROOM (2025) • REFRESHED LANDSCAPING, NEW LIGHTING & IRRIGATION (2025) • FRENCH DRAIN SYSTEM. The kitchen anchors the home’s central gathering spaces and flows naturally into the surrounding living and dining areas, creating a layout equally suited to quiet daily life and large-scale entertaining. Broad sightlines and oversized sliders connect the interior to a screened pool and spa environment that functions as a true extension of the house, making indoor-outdoor living feel effortless and complete. Beyond the pool, the property becomes something rarer still. An elevated walkway carries you through the trees to a private dock on the Tomoka River, where the setting opens into sky, water, and stillness. It is a sequence that gives the property its emotional center and makes the experience of being here feel more like a retreat than a residence. Morning coffee by the water, afternoons on the dock, evenings under the landscape lighting, and the quiet of the river just beyond the trees give this home a lifestyle few properties can genuinely offer. The floor plan is expansive and flexible, with generous spaces for guests, office use, hobbies, fitness, entertaining, or multigenerational living, all without sacrificing cohesion. The primary suite is spacious and private, and the additional living areas offer unusual versatility while preserving the strong architectural through-line that makes the home feel unified and intentional.
Private yet convenient, the property is just minutes from Granada, I-95, and the beach, while feeling entirely removed from the pace of everyday life. This is not a typical listing and should not be approached as one. It is a custom riverfront compound for a buyer who values privacy, beauty, architectural character, and the rare feeling of having arrived somewhere that is truly special.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
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Our Executive Mortgage Banker:
Our Insurance Division:
$1,550,000
Luxury Properties Specialists
William Raveis Real Estate
Phone: 203.256.3264
Al@Raveis.com
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 203.913.1633
Jorge.Rivera@Raveis.com
NMLS Mortgage Loan Originator ID 12303
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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| Loan Amount | $1,240,000 | $1,240,000 | $1,240,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.000% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.263% | 6.145% | 6.117% |
| Monthly Tax Payment | $1,464 | $1,464 | $1,464 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $7,236 | $7,434 | $10,380 |
| Total Monthly Payment | $8,825 | $9,023 | $11,969 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.