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If you’ve been considering new construction, this home is worth a closer look. Purchased new in 2024 and thoughtfully upgraded since, it offers the benefits of new without the wait, added expense, or unfinished feel. Set on a peaceful preserve lot in St. Augustine Lakes, this single-story home combines an easy, open layout with a sense of warmth that’s often missing from brand-new builds. The main living spaces flow naturally from kitchen to dining to living area, with natural light pouring in and a quiet, private backdrop just beyond the windows. The kitchen is clean and functional in all the right ways: quartz countertops, white cabinetry, stainless appliances, a large island, and a walk-in pantry, opening directly to the main living space so everything feels connected. One of the standout features here is the flexibility. In addition to four bedrooms, there’s a dedicated office that easily adapts to how you live, whether that’s working from home, a playroom, or a second living space The owner’s suite is tucked away for privacy, with a spacious walk-in closet and a well-designed bath with dual vanities and a walk-in shower. Three additional bedrooms give you room to spread out, host guests, or grow into the space. Where this home really pulls ahead of builder inventory is in the details. The current owner has already done the work: upgraded lighting, hardware, accent walls, and installed a high end Liberty Pure water softener and whole-home filtration system, adding comfort, quality, and peace of mind. Tile flooring runs through the main areas for durability and style, and the more mature landscaping gives the home a finished, established feel from the moment you arrive. Out back, the screened-in lanai makes all the difference offering a comfortable place to enjoy the preserve views year-round without the bugs, whether it’s morning coffee or winding down in the evening. You also get the practicality: a 2-car garage, dedicated laundry room, and the peace of mind that comes with a nearly new home. St. Augustine Lakes continues to be one of the area’s most in-demand communities, with convenient access to top-rated St. Johns County schools, shopping, dining, and everyday essentials. Inventory here is tightening, and homes with this level of finish and setting don’t come up often. Thoughtfully priced to reflect its upgrades and preserve setting, while remaining competitive with current offerings in the community.
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William Raveis Real Estate
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
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Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $316,000 | $316,000 | $316,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.776% | 6.078% |
| Monthly Tax Payment | $395 | $395 | $395 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,946 | $2,023 | $2,645 |
| Total Monthly Payment | $2,416 | $2,493 | $3,115 |
* 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.