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Beautifully upgraded and exceptionally versatile, this move-in ready home in Heartwood North offers 3 bedrooms, 2 baths, an enclosed flex space with double French doors now serves as a spacious 4th bedroom or private office, and a thoughtfully designed layout on an oversized 0. 68-acre fully fenced lot with a side entry 2 car garage. Designed for both everyday comfort and entertaining, the backyard is a true retreat featuring a heated saltwater pool and spa with energy-efficient EZ Flow heating system, screened lanai, expansive paver patio, built-in fire pit, playground area, raised garden beds, and lush landscaping. Inside, the kitchen is loaded with upgrades including a boiling water tap, pot filler, breakfast nook with built-in storage benches, and plenty of space for gathering. The home also features a cozy wood-burning fireplace with electric insert option, his-and-hers custom closets in the primary suite, and a partially renovated primary bath completed in 2026. Bring all the toys this property includes an extended steel-reinforced driveway, dedicated RV parking with full hookups (50 amp electric, water, sewer, plus additional 30 amp hookup), plus a 10x12 stick-built shed with loft storage and independent 200-amp service ready for a future garage. The community also allows for boat parking behind the fence. A 250' deep well supplies irrigation and exterior water access points, and an upgraded drainage system enhances the property. Additional highlights include ADT hookup, doorbell and perimeter camera system, sprinkler/irrigation system, 2023 microwave, 2024 refrigerator, 2025 dishwasher, 2025 water heater, updated lanai screens, and numerous major system improvements. A rare opportunity to own a feature-packed property with space, privacy, and resort-style amenities in your own backyard and just minutes from historic St. Augustine, beaches, shopping, and dining. Square footage received from tax rolls. All information recorded in the MLS intended to be accurate but cannot be guaranteed.
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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 | $576,000 | $576,000 | $576,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.524% | 5.866% |
| Monthly Tax Payment | $425 | $425 | $425 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,450 | $3,593 | $4,745 |
| Total Monthly Payment | $3,967 | $4,110 | $5,262 |
* 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.