106 F Street, Saint Augustine, FL, 32080 | $2,225,000

A private wellness retreat home just one block from the ocean, and like nothing St. Augustine has ever seen. At 106 F Street, lifestyle isn’t an afterthought. It’s the foundation. This property blends intentional living with investment versatility, offering a rare opportunity in St. Augustine Beach where nightly rentals are allowed. From the moment you arrive, every detail signals a shift: slower mornings, cleaner air, and spaces designed to restore. Every system is intentional. Every detail supports how you feel in the space. Wellness, Elevated:  A dedicated studio with its own entrance opens to an IPE deck, creating a seamless indoor-outdoor flow for movement, meditation, or private sessions. The experience continues with a full suite of recovery amenities: near infrared sauna, steam shower with chromotherapy, cold plunge, pool and hot tub. This low-tox environment brings the high-end spa ritual home. Outdoor Living, Reimagined:  The exterior was designed as a private resort. A saltwater pool and spa feature terrazzo coping, quartz pebble plaster, and full automation; heated or chilled depending on the season with a separate gas heater for on-demand spa use.  Brazilian teak decking, curated zero-scaping, and soft, hidden lighting create an atmosphere that transitions effortlessly from day to evening. A gas fire pit anchors the space beneath a custom pergola, while outdoor shower, turf, and coastal textures bring a grounded, organic feel.   A Kitchen Built for Gathering:  Custom cabinetry conceals a fully integrated Thermador appliance package including a steam oven, convection oven, and gas cooktop with center griddle. Quartz surfaces extend seamlessly into the backsplash, while thoughtful details like a workstation sink, appliance garage, and separate beverage fridge support both everyday living and entertaining. Volume, Light + Materiality:  Inside, 20-foot ceilings and clerestory windows bathe the home with natural light. White oak details, well-thought lighting, and a curated material palette create a sense of calm continuity throughout.  The first floor primary suite channels a boutique hotel experience with Venetian plaster in the bathroom and a freestanding soaking tub. The three other bedrooms upstairs, including a custom bunk room, offer flexibility for both private use and short-term rental optimization. The separate wellness studio could be converted to a guest suite with kitchenette or a 5th bedroom.   Built Beyond Standard: This is not a typical beach build. From the elevated stem wall foundation to commercial-grade waterproofing, impact-rated windows by Shwinco, James Hardie’s Artisan series siding and a standing seam aluminum roof, the construction prioritizes longevity and resilience. Advanced insulation systems, whole-home air filtration, dehumidification, and three separate HVAC systems create a controlled, comfortable interior environment year-round. Location + Flexibility:  Positioned on a 50’ x 100’ lot just one block from the ocean with a dedicated crosswalk at F Street, this property offers both lifestyle and income potential. Zoned commercial with no HOA, it allows for nightly rentals, making it equally suited as a private retreat, a high-performing short-term rental, or a hybrid of both.

Features

  • Bedrooms: 4
  • Baths: 4 full / 1 half
  • Lot Size: 50' x 100'
  • Style: 2 Story,Single Family Home
  • Year Built: 2023
  • Heating: Central
  • Cooling: Central
  • Approx Sq. Feet: 2,501
  • Lot Size: 50' x 100'
  • Est. Taxes: $10,795
  • Elem. School: R.B. Hunt
  • Middle School: Sebastian
  • High School: St. Augustine
  • MLS#: 262195
  • Days on Market: 18 days
  • Website: https://www.raveis.com
    /eprop/262195/106fstreet_saintaugustine_fl?source=qrflyer
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Listing courtesy of One Sotheby's Int (A1A Beach)

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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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106 F Street, Saint Augustine, FL, 32080

$2,225,000

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 $1,780,000 $1,780,000 $1,780,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.375% 6.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.399% 6.475% 6.309%
Monthly Tax Payment $900 $900 $900
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $10,815 $11,105 $15,141
Total Monthly Payment $11,840 $12,130 $16,166

* 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.