38 RIDGE LAKE Road, Saint Augustine, FL, 32086 | $295,000

Life at Park Ridge offers more than a place to live—it delivers a lifestyle rooted in the ease and charm of St. Augustine. Set within the highly desirable Park Ridge neighborhood, this thoughtfully planned community is known for its quality construction, modern design, and central location just minutes from shopping, dining, beautiful beaches, and historic downtown.
This 1, 470 square foot townhome features 3 bedrooms and 2. 5 baths, filled with natural light through sleek 8-foot front and rear doors. Nine-foot ceilings on the main level enhance the open-concept layout, creating a bright and inviting atmosphere. The contemporary kitchen is both stylish and functional, showcasing a spacious island, granite countertops, classic shaker cabinetry, and stainless steel Energy Star® appliances—ideal for daily living and effortless entertaining. Luxury vinyl flooring extends through the kitchen, living, and entry areas, offering durability with a refined look. Upstairs, the primary suite provides a peaceful retreat with a generous walk-in closet and an en-suite bath featuring a double vanity and walk-in shower. Two additional bedrooms are well-proportioned with ample closet space and share a conveniently located full bath. As a townhome owner, you have the flexibility to design and fence your outdoor space to suit your lifestylewhether creating a private garden, outdoor entertaining area, play space, or a secure environment for pets. An attached one-car garage and an additional parking space add everyday ease. Designed with modern St. Augustine living in mind, Park Ridge offers a low-maintenance home in one of the area's most convenient and sought-after locations. Furnishings are available with an accepted contract.

Features

  • Amenities: PoolSidewalks
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Upper Level
  • Style: Contemporary
  • Year Built: 2022
  • Garage: 1-car
  • Heating: Central, Electric
  • Cooling: Central Air, Electric
  • Approx Sq. Feet: 1,471
  • Acreage: 0.05
  • Est. Taxes: $4,107
  • HOA Fee: $540 Quarterly
  • View: Trees/Woods
  • Appliances: Dishwasher, Disposal, Dryer, Electric Range, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Refrigerator, Washer
  • MLS#: 2127829
  • Days on Market: 33 days
  • Website: https://www.raveis.com
    /prop/2127829/38ridgelakeroad_saintaugustine_fl?source=qrflyer
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Listing courtesy of Berkshire Hathaway Homeservices Florida Network Realty

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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
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305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
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38 RIDGE LAKE Road, Saint Augustine, FL, 32086

$295,000

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 $236,000 $236,000 $236,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.197% 6.156% 5.609%
Monthly Tax Payment $342 $342 $342
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,340 $1,413 $1,913
Total Monthly Payment $1,757 $1,830 $2,330

* 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.