196 SILVER REEF Lane, Saint Augustine, FL, 32095 | $630,000

With over $100, 000 in UPGRADES, this home offers a rare combination of luxury, efficiency, and true move-in-ready condition. Welcome to this immaculately maintained Medallion floor plan featuring 4 bedrooms, 3 bathrooms, and a 3-car garage, ideally located on a private wooded preserve lot in sought-after Creekside.

SOLAR PANELS give this home a Major efficiency upgrade with an average electric bill of just $35/month, offering significant long-term savings. Interior features include quartz countertops, 42'' cabinetry, and a plus a brand new Samsung 4 French Door-touch screen refrigerator. Stainless steel gourmet kitchen with 5-burner gas range, microwave, dishwasher, Ceramic wood-look tile extends throughout the main living areas and LVP throughout all bedrooms, complemented by crown molding, 5 ΒΌ'' baseboards, a glass front entry door. Two solar tubes in the living area provide consistent natural light all day. Additional features pre-wired security system, motion sensor lighting, Tesla fast charger in the garage, and outdoor solar-powered security cameras. Outdoor living has been fully upgraded with a large extended paver and screened lanai, automatic electric patio blinds for added privacy on each side of the screened lanai, and a fully fenced yard backing to a private wooded preserve. Professional landscaping design by Garden LLC enhances the front, side, and backyard! Additional upgrades include washer and dryer, full home gutters, upgraded lighting, LED kitchen lighting, Shark Coatings blue-grey epoxy garage flooring, and numerous functional enhancements throughout. Located in a community offering a clubhouse, pool, and fitness center, this home stands out as one of the more upgraded and cost-efficient properties in the neighborhood. Currently zoned for the new Lakeside Academy K-8.

Features

  • Amenities: Pool, Clubhouse, Fitness Center, Jogging Path, Park, PlaygroundSidewalks
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Electric Dryer Hookup, Washer Hookup
  • Style: Traditional
  • Year Built: 2020
  • Garage: 3-car
  • Heating: Central, Electric
  • Cooling: Central Air, Electric
  • Approx Sq. Feet: 2,647
  • HOA Fee: $305 Quarterly
  • Lot Desc: Wooded
  • View: Protected Preserve, Trees/Woods
  • Elem. School: Lakeside Academy
  • Middle School: Alice B. Landrum
  • High School: Beachside
  • Appliances: Dishwasher, Disposal, Gas Range, Microwave, Refrigerator
  • MLS#: 2138786
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/2138786/196silverreeflane_saintaugustine_fl?source=qrflyer
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Listing courtesy of Round Table 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

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196 SILVER REEF Lane, Saint Augustine, FL, 32095

$630,000

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 $504,000 $504,000 $504,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.431% 5.668%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,981 $3,103 $4,085
Total Monthly Payment $3,073 $3,195 $4,177

* 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.