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A one-of-a-kind custom home in Oakbrook -- owner-designed and built by Colby Holt, a consecutive Parade of Homes winner at the time of construction. Twenty-one years and one owner later, every detail still reflects the meticulous care of a home that's been loved since day one.
At 1, 757 square feet of living space and approximately 3, 200 square feet under roof, the home lives larger than its footprint, with 10-foot ceilings throughout and an outdoor footprint that nearly doubles the indoor one. Full tile floors run throughout -- no carpet anywhere (extra tile included). The fireplace anchors the main living area, which flows into an updated kitchen with quartz countertops.
Two sets of 8' x 8' sliders -- one in the living room, one in the master bedroom -- open onto a 10' x 30' covered porch with soaring 12-foot ceilings. A second covered porch sits at the front. Both extend the home's livable footprint year-round in a Florida climate. Major systems are squared away. New roof (one year), with AC and water heater updated within the last five years. The home is also served by a well and five-zone irrigation system, keeping the lawn green without burning through utility costs.
Outside, a large 0. 54-acre lot stretches behind a slatted fence the owner installed himself so the deer from the wooded area beyond stay in view. The property line continues roughly 40 feet past the fence, leaving room to expand the yard or simply enjoy the natural buffer. A 12' x 28' boat garage joins the standard two-car, and the community pool sits just behind the backyard.
Oak Brook is a private, gated community with one of the most stable HOAs anywhere -- capped by community vote at a $10 maximum annual increase. In 21 years, dues have moved only from $50 to $90 per month, covering private road repaving, the gate, insurance, the pool, tennis and pickleball courts, and the community park. Located in a top-rated St. Johns County school zone, with historic St. Augustine, Florida's oldest city, a short drive in one direction and Atlantic beaches the other.
Custom-designed, single-owner homes like this rarely come to market -- and when they do, they come with a story. The first owner designed every inch of it and gave it twenty-one years of love and care. Now it's ready for the next owner to pick up where the first left off -- to make it their home, and carry that forward.
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William Raveis Real Estate
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
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 |
|
|---|---|---|---|
| Loan Amount | $479,200 | $479,200 | $479,200 |
| 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 | $210 | $210 | $210 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,951 | $3,068 | $4,011 |
| Total Monthly Payment | $3,253 | $3,370 | $4,313 |
* 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.