972 Ridgewood Ln, Saint Augustine, FL, 32086 | $399,900

Welcome to 972 Ridgewood Lane! Located inside the gated community of Southwood, this concrete block and stucco home offers a comfortable, low-maintenance lifestyle with HOA services that include lawn care and irrigation. The neighborhood is known for its welcoming feel and well-kept surroundings, making it easy to enjoy single-family living without the upkeep. This 2 bedroom, 2 bath home with a dedicated den or office (3rd bedroom, non-conforming) offers approximately 1, 636 square feet of interior living space, plus an enclosed tiled lanai that expands the usable area to roughly 1, 836 square feet. The lanai overlooks the lake and provides a peaceful setting to relax or spend time with guests. Inside, the layout feels open and bright thanks to vaulted ceilings and strong natural light throughout the main living areas. The kitchen includes a comfortable eat-in space with room for a full dining setup, creating an easy everyday gathering area. Recent improvements add confidence for the next owner, including a roof replaced in 2022, new windows installed in 2022, freshly painted interior and exterior, and appliances that are approximately 3 years old. The home also benefits from the added value of NO CDD fees. Southwood residents enjoy access to community amenities such as a pool with pavilion space, tennis courts, shuffleboard, and an active social calendar. The location offers convenient access to shopping, dining, downtown St. Augustine, and nearby beaches. This home combines lake views, practical updates, and simplified maintenance within one of the area’s established gated communities.

Features

  • Amenities: Clubhouse,Gated,Community Pool Unheated,Tennis
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: .13
  • Style: Patio Home,Ranch
  • Year Built: 2002
  • Heating: Central
  • Cooling: Central
  • Approx Sq. Feet: 1,636
  • Lot Size: .13
  • Est. Taxes: $4,035
  • HOA Fee: $205
  • Lot Desc: Lake Front
  • Water Front: Yes
  • Boat Access: No
  • MLS#: 262198
  • Days on Market: 17 days
  • Website: https://www.raveis.com
    /prop/262198/972ridgewoodln_saintaugustine_fl?source=qrflyer
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Listing courtesy of Coldwell Banker Premier Properties Matanzas

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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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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972 Ridgewood Ln, Saint Augustine, FL, 32086

$399,900

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 $319,920 $319,920 $319,920
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 $336 $336 $336
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,970 $2,048 $2,678
Total Monthly Payment $2,381 $2,459 $3,089

* 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.