3116 HARBOR Drive, Saint Augustine, FL, 32084 | $675,000

Welcome to the pinnacle of waterfront living--where the serene beauty of the Intracoastal Waterway, Camachee Cove Marina, historic downtown St. Augustine, and distant ocean vistas unfold before you. Perfectly positioned along the Tolomato River, this exceptional penthouse condo captures sweeping panoramas, breathtaking Atlantic sunrises, and golden sunsets that shimmer across the water. Every day begins and ends with a masterpiece. For boaters, it is truly paradise.

Spanning 1, 529 sq ft of heated and cooled living space, plus substantial conditioned storage and flex areas rarely found in condominium residences--this 2-bedroom, 2-bath home lives far larger than expected with elevated design. Rich Brazilian Redwood floors run throughout this two-floor home, grounding the airy, light-filled interiors with warmth and architectural continuity. Wall-to-wall windows flood the home with natural light, while the open-concept layout creates a seamless flow among the living, dining, and entertaining areas. Thoughtful upgrades include new high-impact sliders (2021), PVC plumbing, new A/C units, integrated Echo smart controls, and a balcony uniquely designed for gardeners--a rare convenience for waterfront living. Gourmet Kitchen & Entertaining Spaces Custom-crafted by West to East (2022), the kitchen is a culinary showpiece featuring Dolomite Fantasy Brown countertops and backsplash, custom wood cabinetry, and GE Café Wi-Fi appliances. A built-in, plumbed coffee system offers convenience at the touch of a button, while a pot filler, beverage glass cleaner, and farmhouse sink elevate both function and style. Open to the dining room, living room, and balcony, this space is ideal for hosting--complete with a wet bar and built-in Echo Show 15. Thoughtful Main-Level Suite The downstairs bedroom adapts seamlessly to your needs, featuring a custom wall system with a king-size Murphy bed, a built-in desk, and electric shades that open to the balcony. The upgraded adjoining bath, renovated in 2022, features a heated floor, large walk-in shower, and a sculptural stone sink with touch-activated faucet. Upper-Level Retreat Upstairs, an airy loft provides a serene space for remote work, creativity, or quiet reflection. The primary bedroom showcases stunning views of the marina, Intracoastal, and ocean. Automatic screens offer privacy and comfort, while pocket doors lead to a spacious primary bath with double sinks and an oversized shower with built-in seating. A discreet bookshelf-style door reveals a private, heated and cooled suite perfect as a laundry room with washer/dryer and refrigerator, plus additional rooms ideal for yoga, reading, or a creative studio. Soft lighting and thoughtful design make this a peaceful, multifunctional sanctuary. Outdoor Living Two expansive, covered verandas extend your living space outdoors--perfect for morning coffee at sunrise or evening cocktails under a sky ablaze with color. With unmatched views and year-round breezes, these spaces embody the essence of coastal luxury.

Features

  • Amenities: Pool
  • Bedrooms: 2
  • Baths: 2 full
  • Year Built: 1983
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,529
  • Est. Taxes: $5,381
  • HOA Fee: $1,455 Monthly
  • View: Intracoastal, Marina
  • Water Front: Yes
  • Appliances: Dryer, Refrigerator, Washer
  • MLS#: 2133721
  • Days on Market: 31 days
  • Website: https://www.raveis.com
    /prop/2133721/3116harbordrive_saintaugustine_fl?source=qrflyer
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Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

3116 HARBOR Drive, Saint Augustine, FL, 32084

$675,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $540,000 $540,000 $540,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.395% 6.533% 5.794%
Monthly Tax Payment $448 $448 $448
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,238 $3,369 $4,412
Total Monthly Payment $3,778 $3,909 $4,952

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.