8105 COLEE COVE Road, Saint Augustine, FL, 32092 | $219,000

If you've been searching for a property that offers privacy, water access, and long-term potential without the cost of direct riverfront ownership, this canal-front setting presents an opportunity that is becoming increasingly difficult to find.

Set beneath a canopy of mature trees and backing to a natural canal with access to the St. Johns River just minutes away, the true value here is in the land, location, and connection to North Florida's waterways. Whether you enjoy boating, kayaking, or simply the quiet of a natural setting, this property offers a lifestyle that goes beyond what typical residential lots can provide.

The canal creates a peaceful backdrop and gives you the ability to explore nearby waters by jon boat, kayak, or canoe, while still maintaining a sense of privacy and separation from heavier river traffic. There is also space to store boats, trailers, and equipment, making it a practical choice for buyers who want flexibility without restrictive community rules. The existing 3-bedroom, 2-bath home provides a functional layout that can be used as-is, updated over time, or serve as a starting point for future plans. Key improvements already completed include a roof replacement in 2020 and a water heater approximately five years old. The property is serviced by an artesian well with aerator, delivering strong water pressure, along with a 750-gallon septic system. For buyers evaluating options in this price range, opportunities like this are often considered for their long-term potential. Whether that means creating a weekend retreat, enjoying it as a primary residence, or planning future improvements, the flexibility of the property is a significant advantage. With its natural setting, canal access to the St. Johns River, and ability to evolve over time, this property offers a combination of lifestyle and potential that is not easily replicated.

Features

  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, In Unit, Washer Hookup
  • Style: Ranch, Traditional
  • Year Built: 1988
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,104
  • Acreage: 0.26
  • Est. Taxes: $1,628
  • Lot Desc: Cleared, Few Trees, Wooded
  • View: Canal, Trees/Woods
  • Water Front: Yes
  • Elem. School: Picolata Crossing
  • Middle School: Pacetti Bay
  • High School: Tocoi Creek
  • Appliances: Gas Range, Refrigerator
  • MLS#: 2138979
  • Days on Market: 35 days
  • Website: https://www.raveis.com
    /prop/2138979/8105coleecoveroad_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

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8105 COLEE COVE Road, Saint Augustine, FL, 32092

$219,000

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 $175,200 $175,200 $175,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.512% 5.730%
Monthly Tax Payment $136 $136 $136
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,049 $1,093 $1,431
Total Monthly Payment $1,260 $1,304 $1,642

* 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.