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21 Saragossa Street is the kind of downtown property that rarely comes available. Perfectly positioned on one of the most loved residential streets in the heart of historic St. Augustine, this 1917 home blends timeless character with thoughtful modern upgrades, all just a two to three block walk from live music, art galleries, award winning restaurants, coffee shops, and the waterfront. If you have been looking for a true walkable lifestyle where weekends mean farmers markets and evening strolls instead of yard work and maintenance, this is it. Originally designed with generous proportions and a wide front porch that invites you to slow down, the home has been thoughtfully converted into a true 4 bedroom, 3 bathroom residence while preserving its historic charm. The porch may be one of the best seats in town for morning coffee, evening wine, and easy conversations with neighbors as the day winds down. Inside, oversized windows flood the home with natural light and highlight the clean architectural lines. The living room and kitchen connect effortlessly, with original pocket doors still in place if you prefer a bit of separation. The 2020 to 2021 renovations brought meaningful upgrades including impact windows, updated electrical, a newly created primary suite with walk in closets and a beautifully finished en suite bath, plus updates to two additional bathrooms. The kitchen is both functional and striking, featuring abundant Thomasville cabinetry, a Wolf gas range, Cove dishwasher, commercial grade Maytag washer and dryer, and distinctive tile work that adds personality and texture. Upstairs offers a spacious layout with the primary suite and additional guest rooms, while a main level half bath accommodates everyday living and entertaining with ease. The dining room opens to a 200 plus square foot deck designed for gatherings, creating effortless indoor outdoor flow just steps from the kitchen. Being sold fully furnished and turnkey, this property presents a rare opportunity whether you are seeking a primary residence, second home, or vacation rental investment in one of the most premium and walkable locations in the city.
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William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $840,000 | $840,000 | $840,000 |
| 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 | 6.082% | 5.858% | 5.806% |
| Monthly Tax Payment | $1,175 | $1,175 | $1,175 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $4,704 | $4,902 | $6,919 |
| Total Monthly Payment | $6,004 | $6,202 | $8,219 |
* 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.