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Presented by
Chaz Koch |
Two homes, one property—minutes to Historic district and beach. This North City/Uptown gem offers a charming 2BR/2BA main residence plus a separate 2BR/1BA apartment above the garage for true flexibility. The main house showcases original hardwood floors, a brick wood-burning fireplace, and a flowing plan with a front sitting/sun room, living room, dining area, office/flex room, and an all-season room. The updated kitchen features new cabinetry, counters, and appliances; lighting and doors have been refreshed throughout. Each bedroom functions as an owner suite, and both open directly to decks overlooking the newly fully fenced backyard under grand live oaks and Spanish moss—perfect for morning coffee, evening wine, or weekend gatherings. Across the oversized paver motor court (new), the detached garage with concrete block first floor and framed second floor includes the private-entry 2BR/1BA carriage apartment with full kitchen and living area. This property is ideal for multigenerational living, guest quarters, a home office, or generating potential income as a short-term or long-term rental. Parking is a standout: paver courtyard + garage provide room for multiple vehicles and small boat/TOYs—rare this close to town. Updated PVC plumbing; electrical updates; refreshed lighting and interior/exterior doors; remodeled bath with custom tile shower; new pavers; and a transferable termite protection plan for added peace of mind. Location: North City/Uptown convenience—walk or bike to the Fountain of Youth and local eateries; minutes to the public boat ramp, marinas, Vilano Beach, and the Bridge of Lions into downtown. Whether you’re seeking a full-time residence, vacation retreat, or investment property, this versatile, island-adjacent compound offers the best of the St. Augustine lifestyle—history, coastal charm, and income potential all in one.
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Our Executive Mortgage Banker:
Our Executive Mortgage Banker:
Our Insurance Division:
$749,000
Sales Associate
William Raveis Real Estate
Phone: 860.575.4962
Chaz.Koch@raveis.com
VP, Mortgage Banker / Production Manager
William Raveis Mortgage, LLC
Phone: 203.305.5736
Kevin.DeTullio@Raveis.com
NMLS Mortgage Loan Originator ID 1724767
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 203.415.2989
Brian.Skelly@raveis.com
NMLS Mortgage Loan Originator ID 793093
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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 | $599,200 | $599,200 | $599,200 |
| 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 | $713 | $713 | $713 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,355 | $3,589 | $4,817 |
| Total Monthly Payment | $4,160 | $4,394 | $5,622 |
* 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.