65 WATER Street, Saint Augustine, FL, 32084 | $5,200,000

Located in this highly desirable waterfront enclave, 65 Water Street —designed by the renowned Cronk Duch Architects—offers refined coastal living with uncompromising quality, privacy, and craftsmanship throughout, all within walking distance to historic downtown St. Augustine.

This 3-bed, 4. 5-bath residence is thoughtfully designed for both everyday comfort and elegant entertaining, enhanced by multiple covered balconies that capture serene water views and coastal breezes. The heart of the home is the chef's kitchen, featuring high-end appliances and an open-concept layout flowing effortlessly into the family and dining areas. A sophisticated wet bar showcases elegant built-in cabinetry and a 140-bottle Sub-Zero wine cooler.

Rich architectural details define the interior, including Carlisle wide-plank heart of pine flooring throughout, custom built-ins throughout, elegant light fixtures, and a dedicated home theater with newer equipment.

See more A whole-home Sonos sound system enhances both indoor and outdoor living. Luxury amenities continue with a sauna, central vacuum, residential elevator, and built-in safe. Adding exceptional flexibility and privacy, the property includes two separate casitas with private accessperfect for guests, extended family, or versatile living options such as a home office or studio. Outdoor living is equally impressive. Enjoy a luxurious heated saltwater lap pool with updated equipment, a convenient cabana bath, and a gas firepit, all set against the tranquil waterfront backdrop. Boating enthusiasts will appreciate the newer dock with concrete pilings, boat and jet ski lifts, and vinyl bulkhead, all situated on a generous 75 x 160 waterfront lot. Constructed for durability and peace of mind, the home features concrete block construction, cementitious siding, a metal roof, hurricane windows, foam insulation, two new AC units, and a 26 kW generator supported by a 500-gallon buried gas tank. The main garage offers a vehicle lift and extensive custom cabinet storage. This rare waterfront offering blends timeless architectural design, modern luxury, and exceptional construction in one of St. Augustine's most coveted, walkable locations.

Features

  • Amenities: Sidewalks
  • Bedrooms: 3
  • Baths: 4 full / 1 half
  • Lot Size: 75 x 160
  • Laundry: Upper Level
  • Style: Traditional
  • Year Built: 2012
  • Garage: 3-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 4,180
  • Acreage: 0.27
  • Lot Size: 75 x 160
  • Est. Taxes: $22,715
  • Lot Desc: Sprinklers In Front, Sprinklers In Rear
  • View: Intracoastal, Ocean, Water
  • Water Front: Yes
  • Elem. School: Ketterlinus
  • Middle School: Sebastian
  • High School: St. Augustine
  • Pool: In Ground, Heated, Salt Water
  • Appliances: Dishwasher, Double Oven, Freezer, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned, Wine Cooler
  • MLS#: 2126480
  • Days on Market: 63 days
  • Website: https://www.raveis.com
    /eprop/2126480/65waterstreet_saintaugustine_fl?source=qrflyer
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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!
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  • 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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

65 WATER Street, Saint Augustine, FL, 32084

$5,200,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $4,160,000 $4,160,000 $4,160,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.263% 6.259% 6.223%
Monthly Tax Payment $1,893 $1,893 $1,893
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $24,277 $25,277 $35,104
Total Monthly Payment $26,295 $27,295 $37,122

* 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.