163 Vivian James Drive, Saint Augustine, FL, 32092 | $650,000

Make sure to check out the Virtual Tour for a 3D Model w/ Walkthrough, Floor Plan w/ Measurements, Video, & more! There are homes… and then there are the ones that feel like they’ve been carefully preserved in time, still showing like new and clearly cared for every step of the way. This one lands confidently in that category. Built in 2019 and sitting on a generous . 28-acre lot in Arbor Mill, this 4-bedroom plus office, 3-bathroom home with a 3-car garage offers 2, 517 square feet of thoughtfully designed space that actually lives the way people want to live. Inside, the layout feels intentional from the moment you step through the front doors. The foyer opens into a bright, expansive living room with soaring ceilings, custom built-ins, and a sleek fireplace that anchors the space without stealing the show. Natural light pours in from the large sliding glass doors, pulling your attention straight through to the water view beyond. The kitchen keeps up effortlessly, featuring granite countertops, a substantial island made for everything from morning coffee to late-night snacks, stainless appliances, wall microwave and oven, and a gas cooktop that will make anyone who enjoys cooking feel right at home. The backsplash adds just the right amount of texture, and the open flow into the dining and living areas makes it easy to stay connected, whether you're hosting a full house or just enjoying a quiet night in. The primary suite is positioned on its own side of the home, creating a sense of separation and privacy that feels more like a retreat than just another bedroom. With tray ceilings and plenty of space to breathe, it leads into a bathroom that checks all the boxes. Dual vanities, a soaking tub that invites you to actually use it, a walk-in shower, and a generously sized closet that won’t require seasonal negotiations. The additional bedrooms are well-sized and thoughtfully arranged, while the dedicated office gives you flexibility for work, hobbies, or a quiet escape when needed. Step outside and things get even better. The screened-in lanai is fully set up for Florida living, complete with an outdoor kitchen that’s ready for weekend grilling sessions or casual evenings overlooking the water. The backyard opens to a peaceful pond view, framed by a clean, black aluminum fence that keeps things polished without blocking the scenery. It’s the kind of space where mornings start slower and evenings stretch a little longer. Beyond the home, the Arbor Mill community adds even more to the lifestyle with a resort-style pool, pickle ball, tennis courts, and playground, all just a short stroll or quick golf cart ride away. Location-wise, you’re right where you want to be. Just about 10 minutes to I-95 for an easy commute, roughly 15 minutes to the St. Johns Town Center for shopping and dining, and around 25 minutes to historic downtown St. Augustine where cobblestone streets, waterfront views, and great restaurants are always waiting. When the beach is calling, you’re looking at about a 30-minute drive to sink your toes in the sand. Homes with this kind of layout, condition, and view don’t tend to sit quietly for long. If this one feels like it might check all the boxes, it’s probably worth seeing in person before someone else decides the same thing.

Features

  • Amenities: Clubhouse,Community Pool Unheated,Tennis,Pickleball,Waterfront,Sidewalk,Street Lights
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 12,197
  • Style: Contemporary,Ranch
  • Year Built: 2019
  • Heating: Central,Electric,Heat Pump
  • Cooling: Central
  • Approx Sq. Feet: 2,517
  • Acreage: 0.28
  • Lot Size: 12,197
  • Est. Taxes: $5,987
  • HOA Fee: $787
  • Lot Desc: City,Water Front,Water View, Paved
  • Water Front: Yes
  • Boat Access: No
  • Elem. School: Mill Creek Elementary
  • Middle School: Pacetti Bay
  • High School: Bartram Trail
  • MLS#: 2143157
  • Days on Market: 11 days
  • Website: https://www.raveis.com
    /prop/2143157/163vivianjamesdrive_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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163 Vivian James Drive, Saint Augustine, FL, 32092

$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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $520,000 $520,000 $520,000
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 $499 $499 $499
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,114 $3,244 $4,246
Total Monthly Payment $3,705 $3,835 $4,837

* 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.