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Coastal home near Vilano Beach and historic downtown St. Augustine offering the walkable beach lifestyle that defines living. Ideally positioned just minutes from St. Augustine Beach, waterfront dining, local shops, boat ramps, and historic attractions. This 3-bedroom, 2. 5-bath home blends location, functionality, and thoughtful upgrades in one of St. Augustine's most desirable coastal communities. With no HOA and short-term rental potential, this property offers flexibility for primary residences, vacation homes, or investment opportunities.
Inside, an open-concept layout connects the kitchen, dining, and living areas for comfortable everyday living and effortless entertaining. The kitchen features upgraded cabinetry and two pantries for abundant storage, while elevated balconies extend the living space outdoors, including an upper-level retreat off the beautiful primary suite and additional balcony access from the main living area. Enjoy your private and fully fenced hardscaped rear courtyard perfect for entertaining, relaxing, or enjoying the coastal lifestyle. Upgrades include- 2023 A/C system, 2023 metal roof and a whole-home surge protector designed to safeguard appliances during Florida's storm season. The oversized two-car garage is finished with epoxy flooring, a utility wash sink, and a ChargePoint+ electric vehicle charging station. An extended paver driveway provides ample parking for guests or recreational use and convenient turnaround space.
Whether you are searching for a primary residence, coastal retreat, second home, or investment property near Vilano Beach and downtown St. Augustine, this home checks the boxes that matter most. Located approximately 1. 1 miles to the beach and within walking distance to restaurants, brunch spots, shopping, a fishing area, boat ramp, and local attractions including the Fountain of Youth Archaeological Park, this home offers true proximity to everything that makes Vilano and downtown St. Augustine desirable. Enjoy biking to the water, quick access to coastal recreation, and the comfort of a friendly, established neighborhood. Call the listing agent to schedule your private showing today!
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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 | $541,600 | $541,600 | $541,600 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.375% | 5.990% | 5.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.161% | 6.120% | 5.541% |
| Monthly Tax Payment | $914 | $914 | $914 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,033 | $3,244 | $4,354 |
| Total Monthly Payment | $4,039 | $4,250 | $5,360 |
* 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.