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DIRECT ST. JOHNS RIVER FRONTAGE WITH PRIVATE DOCK, SEAWALL, AND BOATHOUSE — A RARE 1910 WATERFRONT HOME IN HISTORIC ASTOR WITH 4 BEDROOMS, 4 BATHS. Located at 55316 CLAIRE STREET in the heart of ASTOR, FLORIDA, this WATERFRONT SINGLE-FAMILY RESIDENCE sits directly on the ST. JOHNS RIVER, offering NAVIGABLE WATER ACCESS, AN UPDATED PRIVATE DOCK, CONCRETE SEAWALL, AND BOATHOUSE, features that are increasingly difficult to find at this price point. Built in 1910 and thoughtfully expanded over time (effective year 1995), the home offers 2, 714 TOTAL SQUARE FEET of living space across 4 BEDROOMS AND 3 BATHROOMS, blending OLD FLORIDA CHARACTER with functional modern living. The property sits on an approximately 0. 19–0. 20 ACRE WATERFRONT LOT (±8, 500 SQ FT) with WEST-FACING FRONT EXPOSURE and unobstructed river views that capture stunning sunsets, wildlife activity, and year-round boating enjoyment. The MAIN HOME FEATURES 3 BEDROOMS AND 3 BATHS, including a PRIMARY BEDROOM ON THE FIRST FLOOR, formal living and dining rooms, a WOOD-BURNING FIREPLACE, and expansive windows overlooking the river, while an ATTACHED 1-BEDROOM / 1-BATH APARTMENT WITH PRIVATE ENTRANCE sits above the 2-CAR GARAGE, ideal for MULTI-GENERATIONAL LIVING, GUEST SUITE USE, OR RENTAL INCOME(currently tenant-occupied). Interior finishes include ENGINEERED HARDWOOD FLOORING, SOLID WOOD CABINETRY, and UPDATED KITCHENS WITH GRANITE COUNTERTOPS, along with refreshed lighting throughout the living spaces. Major systems have been addressed, including UPDATED HVAC, UPDATED WATER HEATER and durable METAL ROOFING, a key advantage for longevity and insurance considerations. The property is located in FEMA FLOOD ZONE AE (not X), with mitigation steps already taken. Outside, the riverfront setting is the true differentiator: DIRECT DEEP-WATER ACCESS, space for fishing, boating, kayaking, and easy travel north toward PALATKA or south toward DELAND AND THE WIDER ST. JOHNS WATERWAY SYSTEM. Astor itself carries deep Florida history, once serving as a hub for STEAMBOAT TRADE AND TIMBER TRANSPORT IN THE LATE 1800s, and today remains known for its OLD FLORIDA RIVER TOWN CHARM, OUTDOOR RECREATION, AND UNDEVELOPED NATURAL SURROUNDINGS, offering a slower pace that is increasingly sought after by buyers escaping more congested markets. This is a UNIQUE WATERFRONT OPPORTUNITY for buyers seeking RIVER ACCESS, DOCKAGE, CHARACTER, AND LONG-TERM VALUE, rather than a cookie-cutter replacement home. DIRECT ST. JOHNS RIVER FRONTAGE WITH PRIVATE DOCK, SEAWALL, AND BOATHOUSE — A RARE 1910 WATERFRONT HOME IN HISTORIC ASTOR WITH 4 BEDROOMS, 4 BATHS, AND NO MORTGAGE.
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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 |
|
|---|---|---|---|
| Loan Amount | $351,920 | $351,920 | $351,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.333% | 6.520% | 5.783% |
| Monthly Tax Payment | $318 | $318 | $318 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,082 | $2,196 | $2,874 |
| Total Monthly Payment | $2,475 | $2,589 | $3,267 |
* 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.