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Tucked away on a quiet dead end street in the heart of Uptown St. Augustine, 27 Oak Street offers an incredible opportunity to enjoy marshfront living just minutes from the historic district and the beaches of Vilano. Located in the desirable Hildreth Back Bay section of Fullerwood Park and set at a high elevation, this 3 bedroom, 2. 5 bath home captures the essence of peaceful coastal living while remaining close to everything that makes St. Augustine special. Inside, the home welcomes you with fresh new interior paint, warm travertine tile floors, and a bright open layout designed for both everyday comfort and entertaining. The kitchen has been beautifully refreshed with refinished cabinetry, granite countertops, and brand new appliances, creating a clean and functional space that flows seamlessly into the main living areas. Upstairs, the primary suite is perfectly positioned to take in the tranquil marsh backdrop and features its own private balcony, an ideal place to enjoy your morning coffee while watching the sunrise over the marsh or unwind in the evening as coastal breezes roll in. Two additional bedrooms provide comfortable accommodations for family or guests, while a separate flex space offers versatility for a home office, reading nook, playroom, or loft style lounge. Outside, the spacious homesite offers sweeping marsh views and a peaceful natural setting, often visited by native birds and wildlife. The property also offers a rare level of functionality with space to discreetly store an RV or boat completely tucked away from view. Additional highlights include a garage wired for an EV charger and thoughtful interior updates that make the home completely move in ready. Located within an A rated school district and just moments from Uptown’s beloved coffee shops, restaurants, and boutiques, this home blends lifestyle, flexibility, and location. With no HOA restrictions, owners have the freedom to enjoy the property as a primary residence, second home, or short term rental. Marsh views, privacy, modern updates, and a prime Uptown location make 27 Oak Street a rare opportunity to experience the best of St. Augustine living.
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Our Executive Mortgage Banker:
Our Insurance Division:
$649,000
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 | $519,200 | $519,200 | $519,200 |
| 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 | $720 | $720 | $720 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,071 | $3,239 | $4,277 |
| Total Monthly Payment | $3,883 | $4,051 | $5,089 |
* 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.