186 CONCAVE LANE, Saint Augustine, FL, 32092 | $469,000

Located on a quiet cul-de-sac in the highly desirable Beacon Lake community, 186 Concave Ln offers beautifully designed living just moments from the neighborhood's resort-style amenity center. This thoughtfully upgraded 3-bedroom, 2-bath home blends modern finishes with an open, inviting layout perfect for both everyday living & entertaining. Inside, you'll find warm wood flooring, elegant tray ceilings, and abundant natural light throughout the main living areas. The spacious living room features a striking floor-to-ceiling shiplap fireplace accented with a reclaimed wood mantle & custom wall details, creating a stylish focal point. The chef-inspired kitchen is designed to impress with a large quartz island, gas range, herringbone tile backsplash, designer lighting, & generous cabinet space. The open-concept design allows the kitchen to flow seamlessly into the dining and living spaces. All the bedrooms feature designer finishes throughout, custom wainscoting, accent walls & detailed trim work that adds warmth, texture and elevated character to the home. An interior laundry room with washer and dryer adds convenience. The owner's suite provides a private retreat with ample space and a well-appointed en-suite bath, while two additional bedrooms offer versatility for guests, a home office, or flex space. Step outside to enjoy the fully fenced backyard overlooking serene preserve views. The outdoor space features a paver patio and gas fire pit, ideal for relaxing evenings or entertaining outdoors. Freshly painted and move-in ready, this home also provides access to Beacon Lake's exceptional amenities including a clubhouse, fitness center, resort-style pool, splash park, and scenic walking trails--delivering the perfect combination of comfort, style, and community living in St. Johns County.

Features

  • Amenities: Basketball Court, Clubhouse, Fitness Center, Park, Playground, Pool, Tennis Court(s)
  • Rooms: 5
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside
  • Style: Craftsman, Ranch
  • Year Built: 2018
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,863
  • Acreage: 0.17
  • Est. Taxes: $8,865
  • HOA Fee: $79 Annually
  • View: Trees/Woods
  • Pet Policy: Yes
  • Appliances: Convection Oven, Dishwasher, Disposal, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater
  • MLS#: FC317247
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/FC317247/186concavelane_saintaugustine_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 4/5/2026 2:17:08 PM)
Listing courtesy of Coldwell Banker Vanguard Realt   Phone: 904-269-7117

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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:

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186 CONCAVE LANE, Saint Augustine, FL, 32092

$469,000

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 $375,200 $375,200 $375,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.533% 5.794%
Monthly Tax Payment $739 $739 $739
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,219 $2,341 $3,066
Total Monthly Payment $3,033 $3,155 $3,880

* 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.