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At the quiet end of Old A1A, where the road stops and the Atlantic begins, Summer Haven feels like a different era of Florida. Tucked between the ocean and the Matanzas River, this small historic community has remained one of the most secluded stretches of coastline in northeast Florida. Originally established in the 1800s as a seaside retreat, Summer Haven still retains its Old Florida character, with a mix of historic homes and elevated coastal cottages along a narrow strip of land between the Atlantic Ocean and the Matanzas River. The location offers the rare ability to enjoy both sunrise over the ocean and sunset across the river. In 2025, St. Johns County completed the Summer Haven Revetment Project, significantly strengthening this section of shoreline. The project included a deep epoxy-coated sheet pile wall driven more than 30 feet into the ground, over 5, 800 tons of granite armor stone for storm protection, an elevated concrete roadway, and an advanced drainage exfiltration system to protect homes and infrastructure from future coastal storms. The property offers 150 feet of ocean frontage, with the northern 50 feet preserved as a natural buffer. Private beach access from the rear of the property leads to one of the quietest beaches on this part of the coast, with limited nearby public parking or public access points. Designed by architect Ron Haase, known for his work on traditional Florida “Cracker” homes that take advantage of Florida's climate and coastal environment. Large windows and elevated living spaces capture sweeping views of the Atlantic. Located outside the city limits, the property also benefits from lower property taxes while remaining a short drive from St. Augustine. Summer Haven remains one of the last places on Florida’s northeast coast where the pace, landscape, and character of Old Florida still remain.
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Our Executive Mortgage Banker:
Our Insurance Division:
$1,800,000
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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,440,000 | $1,440,000 | $1,440,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.289% | 6.259% | 6.203% |
| Monthly Tax Payment | $709 | $709 | $709 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $8,518 | $8,750 | $12,152 |
| Total Monthly Payment | $9,352 | $9,584 | $12,986 |
* 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.