5124 Osceola Ave, Saint Augustine, FL, 32080 | $1,199,000

Stunning Income-Producing Turnkey Beach Home | 2 Blocks to the Sand | No HOA. Welcome to this exceptional newer construction beach home in St. Augustine, currently operating as a successful short-term rental and offering an outstanding blend of income potential, luxury, and laid-back coastal living. Offered fully furnished and truly turnkey-including furniture, decor, and kitchen essentials, (excluding a few personal items)-this property is ready for immediate enjoyment or continued income production from day one. Located just two blocks from the beach, with direct access straight down Palmetto to a new Trex dune walkover, this home enjoys a quiet, jogger-friendly setting with no major through streets. Spanning 3, 000 square feet of interior living space plus an impressive 775 square feet of outdoor living, this three-story residence features 4 bedrooms, 3. 5 bathrooms, a custom patio, an outdoor shower, and a deck on every level—creating a true indoor-outdoor lifestyle with sweeping views of the treed dunes and an elevated, treehouse-like feel. The thoughtfully designed layout offers two bedrooms and one bathroom on the first floor, ideal for guests, while the second level hosts the primary suite and an additional bedroom and bathroom. The show-stopping third floor is built for luxury living and entertaining, boasting over 1, 100 square feet of open living space and three sets of French doors leading to a covered deck overlooking the dunes. The well-appointed kitchen features 42” shaker cabinetry, quartz countertops, and a stainless steel appliance package, perfect for both everyday living and hosting. The home is prepped for a custom elevator, plumbed for gas, and built with impact-resistant windows for peace of mind. Enjoy worry-free ownership with no HOA, no flood insurance required, and elevated construction that provides confidence during storms. Recent improvements include a custom patio perfect for outdoor dining and entertaining and swim spa, fresh interior and exterior paint, and irrigation system. Whether you’re seeking a high-performing investment property, a second home, or a full-time coastal retreat, this property delivers location, privacy, and effortless beachside living—all within the highly rated St. Johns County School District—just steps from the sand.

Features

  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Lot Size: 8276
  • Year Built: 2020
  • Heating: Central,Electric
  • Cooling: Central,Electric
  • Approx Sq. Feet: 3,001
  • Acreage: 0.19
  • Lot Size: 8276
  • Est. Taxes: $13,898
  • MLS#: 260573
  • Days on Market: 21 days
  • Website: https://www.raveis.com
    /eprop/260573/5124osceolaave_saintaugustine_fl?source=qrflyer
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Listing courtesy of Keller Williams St Augustine

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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

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5124 Osceola Ave, Saint Augustine, FL, 32080

$1,199,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $959,200 $959,200 $959,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.750% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.117% 5.585% 5.806%
Monthly Tax Payment $1,158 $1,158 $1,158
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,371 $5,598 $7,901
Total Monthly Payment $6,654 $6,881 $9,184

* 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.