12 Islander Ct, Saint Augustine, FL, 32080 | $339,900

Tucked inside a gated island community just 1. 5 miles from the beach, this light-filled end-unit townhome offers peaceful, low-maintenance living with all the perks of coastal life. Located outside of a flood zone and on one of the largest lots in the neighborhood, this home feels open, private, and easy from the moment you arrive. The exterior of the structure is maintained by the HOA, including the roof. The HOA also takes care of the lawn and landscaping, so your time is free for beach rides, sunset walks and relaxed island living. Ride your bike to the ocean, come home to a quiet, tree-lined setting, and let life slow down a little. Inside, extra windows fill the home with natural light, enhanced by plantation shutters throughout. The spacious kitchen features updated appliances, an oversized walk-in pantry, and plenty of room for a large table or island, making it perfect for casual meals or entertaining friends. A bonus loft-style family room adds flexible space that works beautifully as a media room, home office, yoga studio, or extra lounge for guests. The split floor plan offers privacy, with walk-in closets in the bedrooms and a primary suite that includes a walk-in closet, walk-in shower, and makeup vanity. Recent updates include a new water heater in 2025, new kitchen appliances and washer and dryer in 2023, along with a whole-house water filtration system and water softener. The upstairs laundry room adds everyday convenience, making it easy to handle chores right where the bedrooms are. Outdoor living is just as special, with three separate spaces to enjoy the island air. Sip coffee on the covered front porch, grill dinner on the private back patio, or unwind upstairs on the balcony where you can sit in the treetops and watch the sunset. Parking is easy with a widened paver driveway for two cars, an attached one-car garage, and nearby guest parking. The community also offers a pool for easy, carefree afternoons. Offered fully furnished or unfurnished if preferred, this home is perfect as a primary residence or second home, giving you a simple, peaceful way to live the island life!

Features

  • Amenities: Gated,Community Pool Unheated
  • Bedrooms: 2
  • Baths: 2 full / 1 half
  • Lot Size: .08 acres
  • Style: Townhouse
  • Year Built: 2013
  • Heating: Central,Electric
  • Cooling: Central,Electric
  • Approx Sq. Feet: 1,295
  • Acreage: 0.08
  • Lot Size: .08 acres
  • Est. Taxes: $5,360
  • HOA Fee: $257
  • Lot Desc: Suburban
  • Elem. School: R.B. Hunt
  • Middle School: Sebastian
  • High School: St. Augustine
  • MLS#: 260353
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/260353/12islanderct_saintaugustine_fl?source=qrflyer
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William Raveis Family of Services

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
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305.922.5393

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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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12 Islander Ct, Saint Augustine, FL, 32080

$339,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $271,920 $271,920 $271,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.371% 6.292% 5.628%
Monthly Tax Payment $447 $447 $447
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,587 $1,652 $2,204
Total Monthly Payment $2,109 $2,174 $2,726

* 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.