216 Fifth St, Saint Augustine, FL, 32084 | $1,650,000

This custom three-story residence sits on a private 100x100 lot just a short stroll from the beach, offering a level of space, flexibility, and craftsmanship that is rarely found in Vilano Beach. Set within a uniquely desirable neighborhood with no HOA, the location delivers true coastal living with one-block access to both the Atlantic Ocean to the east and the Intracoastal Waterway to the west. From the moment you arrive, wide wraparound porches, paddle fans, mature trees, extensive paver work, and new privacy fencing create a setting that feels relaxed, private, and secure. The ground level is anchored by an expansive 1, 373-square-foot, 3 car garage designed with function in mind, featuring ample room for vehicles, fishing gear, boat, storage, and a custom California Closets workbench wall, along with a fully separate in-law suite with its own private entrance and thoughtfully designed kitchenette. Whether used for multi-generational living, long-term guests, or additional income, this is real, usable flexibility. The main living level is where the home truly comes to life. A chef’s kitchen equipped with stainless steel appliances, a six-burner range, dual ovens, custom cabinetry, and a large pantry flows seamlessly into the living and dining areas, creating a space that works well for everyday living and entertaining. Brazilian cherry hardwood floors run throughout, adding warmth and character, while a beautifully built fireplace with an electric insert creates a natural focal point. A formal dining room sits just off the kitchen, and the primary suite offers a true retreat with a custom California Closets walk-in, a cast iron soaking tub, travertine floors, a glass-enclosed rain shower, and multiple access points to the surrounding porches where coastal breezes move effortlessly through the home. The third floor adds three additional bedrooms and a full bathroom, providing ample room for family and guests. A whole house generator with its own in-ground tank adds peace of mind, while the oversized lot continues to deliver privacy and ample parking, a rarity in this area. An exterior elevator lift adds everyday convenience. Located just minutes from Cap’s on the Water, Aunt Kate’s, Reefs, and Lynda’s at the Ocean Club, this home is also near Publix and just around the corner from the beach. Offered fully furnished, it presents a seamless move-in-ready opportunity. This is a property that delivers space, lifestyle, and flexibility in one of Vilano Beach’s most sought-after settings.

Features

  • Amenities: Beach Access
  • Bedrooms: 5
  • Baths: 4 full
  • Lot Size: 100x100
  • Style: Multi-Level,Single Family Home
  • Year Built: 2004
  • Heating: Central
  • Cooling: Central
  • Approx Sq. Feet: 3,154
  • Acreage: 0.23
  • Lot Size: 100x100
  • Est. Taxes: $13,286
  • Elem. School: Ketterlinus
  • Middle School: Sebastian
  • High School: St. Augustine
  • MLS#: 261976
  • Days on Market: 19 days
  • Website: https://www.raveis.com
    /eprop/261976/216fifthst_saintaugustine_fl?source=qrflyer
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Listing courtesy of THE NEWCOMER GROUP

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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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216 Fifth St, Saint Augustine, FL, 32084

$1,650,000

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 $1,320,000 $1,320,000 $1,320,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.300% 6.247% 6.183%
Monthly Tax Payment $1,107 $1,107 $1,107
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $7,808 $8,020 $11,139
Total Monthly Payment $9,040 $9,252 $12,371

* 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.