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A true fisherman's retreat on the St. Johns River, offering direct access to the Atlantic Ocean with no HOA and an unbeatable waterfront lifestyle. Launch straight from your private dock, watch cruise ships glide by, spot dolphins in the river, and enjoy spectacular sunrise views from the sunroom or expansive deck overlooking the water.
Designed for life on the river, the home features a newly remodeled, generously sized kitchen completed in 2025, ideal for entertaining after a day on the water, along with a beautifully updated primary bathroom. The living room and dining area are positioned to capture river views, creating a comfortable space to relax and take in the scenery. The sunroom serves as a favorite gathering spot, offering front-row views of the river's daily activity.
Boaters and anglers will appreciate the private dock with a boat lift rated for up to 7, 000 pounds, providing easy access for offshore and inshore fishing. Navigable water leads directly to the ocean, making early-morning runs and sunset returns effortless. The fully fenced yard adds privacy while maintaining the open waterfront feel.
Recent 2025 updates enhance comfort and peace of mind, including a new water heater, dishwasher, irrigation system and pump, blown-in attic insulation, attic sealing, new 6" gutters, and an updated fireplace setup. Paid-off solar panels add long-term energy efficiency and reduced operating costs. The home has been thoughtfully maintained with long-term improvements that support both everyday living and waterfront use.
Located near local riverfront favorites like Sand Dollar Restaurant and close to the beaches, fishing access, and outdoor recreation at Huguenot Memorial Park, this property offers a laid-back coastal lifestyle. The home is also less than 30 minutes from Amelia Island and Fernandina Beach, providing easy access to additional marinas, dining, and coastal charm.
This residence is part of a duplex, with each side deeded separately, presenting a rare opportunity to own a riverfront home built for fishing, boating, and life on the water.
Some photos have been Virtually Staged with AI.
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William Raveis Real Estate
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $476,000 | $476,000 | $476,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.407% | 6.577% | 5.986% |
| Monthly Tax Payment | $29 | $29 | $29 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,854 | $2,970 | $3,953 |
| Total Monthly Payment | $2,975 | $3,091 | $4,074 |
* 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.