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Ready to escape the HOA? Welcome to St. Augustine South, one of St. Augustine's most convenient and sought-after neighborhoods where no HOA restrictions mean the freedom to truly live your way. Park your boat right in the driveway, then head to one of two nearby community boat ramps with direct access to Matanzas River and Moultrie Creek. This move-in ready home blends comfort, flexibility, and functionality with a new metal roof (2025), updated LVP flooring throughout (no carpet here), plumbing re-pipe (2023), newer HVAC (2021), new hot water heater (2025), and fresh neutral paint throughout. Flexible living spaces offer endless potential inside, while outside, the fully fenced backyard creates a private retreat complete with a large gazebo, covered carport area, and a storage shed. With beaches, shopping, dining, and historic downtown all nearby, this home delivers the comfortable and laid-back coastal lifestyle so many buyers are searching for. Inside, the main living area centers around a decorative fireplace, creating a warm and comfortable gathering space for everyday living and entertaining. Natural light, practical design, and flexible spaces give the home an easy, livable feel from the moment you walk through the door. One of the standout features of this property is the incredible versatility it offers. In addition to the three traditional bedrooms, the garage has been thoughtfully converted into two additional flex spaces that can easily adapt to your lifestyle needs. Whether you envision a home office with a private exterior entrance for clients, a fitness room, playroom, hobby space, media room, guest retreat, or second living area, this home offers the flexibility to create spaces that truly fit the way you live today. For buyers who prefer a traditional garage setup, the original garage doors remain in place, offering the potential to convert the space back if desired. Outside, the property continues to offer the kind of freedom and flexibility that is becoming increasingly difficult to find in St. Augustine. The fully fenced backyard provides privacy and room to relax, entertain, or store recreational equipment with ease. A large gazebo creates the perfect outdoor gathering space, while the covered carport area and backyard shed add valuable functionality and storage. With no HOA or CDD restrictions, there's room for your boat, trailer, tools, or recreational vehicles without the limitations of a heavily restricted community. Adding to the appeal, residents enjoy access to two nearby neighborhood boat ramps, making it easy to enjoy boating, fishing, and everything coastal Florida living has to offer. Perfectly positioned near local restaurants, parks, schools, major commuter routes, beautiful beaches, and the charm of historic downtown St. Augustine, this home offers the ideal balance of convenience and laid-back living. Whether you're searching for a primary residence, an investment opportunity, or a flexible property with room to grow alongside your needs, this home presents an exceptional opportunity in a location people continue to love calling home. Schedule your private showing today!
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$450,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $360,000 | $360,000 | $360,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.500% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.375% | 6.638% | 5.972% |
| Monthly Tax Payment | $314 | $314 | $314 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,217 | $2,275 | $2,989 |
| Total Monthly Payment | $2,606 | $2,664 | $3,378 |
* 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.