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Tucked into the heart of St. Augustine Beach, along the area locals lovingly call the “Golden Mile” — where coffee shops, dining, shopping, and the shoreline all meet — 204 4th Street isn’t just a home, it’s a lifestyle measured in beach walks, morning coffee runs, and sunset bike rides to the shore. Step inside and you’ll immediately feel the difference. The vaulted ceiling creates an open, airy feel that adds character to the split floor plan. The open living area is welcoming and functional, grounded by sleek LVP flooring that’s both stylish and built for sandy feet. The layout flows effortlessly — three bedrooms, two full baths, and a one-car garage for beach gear, bikes, and boards. With a thoughtful split-bedroom floor plan, the kitchen and living area become the home's natural gathering place, offering great flow and connection while still providing privacy where it counts. Step through to the screened-in porch, and you’ll find the perfect in-between space: coffee at sunrise, dinner in the breeze, or a quiet place to unwind. The fully fenced backyard offers privacy, room for pets, and space to entertain under the palms — and with no HOA, you’ll enjoy making this property your own. The home also offers peace of mind, with some updates already completed, including the replacement of the HVAC (2019), water heater (2025), windows, and sliders — giving you more time to enjoy life and less time to worry about maintenance. Location is where this home truly shines. You’re just a short stroll from local favorites for coffee and shopping, restaurants, and live music, all within walking distance. The Atlantic shoreline is just moments away, offering morning surf sessions and evening walks along the sand whenever you please. This is beach living without compromise — no HOA restrictions, and a location that lets you park the car and live life to the fullest.
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Our Executive Mortgage Banker:
Our Insurance Division:
$610,000
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $488,000 | $488,000 | $488,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.520% | 5.880% |
| Monthly Tax Payment | $673 | $673 | $673 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,887 | $3,044 | $4,020 |
| Total Monthly Payment | $3,651 | $3,808 | $4,784 |
* 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.