144 SILVER BIRCH Street, Saint Augustine, FL, 32084 | $297,000

If you've been trying to find something in St. Augustine under $300K, this is one you need to see.

144 Silver Birch is a 2023 build. One of the first things you'll notice is the living space. Vaulted ceilings and recessed lighting open it up and make it feel much bigger than you'd expect for 1, 200 square feet.

The layout flows the way you want it to with the kitchen, dining and living area all connected without wasted space. It's open, but still comfortable.

The kitchen keeps things simple with white cabinetry, stainless appliances and a setup that works for real life. Nothing you need to change just to move in.

The bedrooms are split, so the primary has its own space and the two additional rooms give you flexibility. Guest room, office, kid's room - whatever fits your life right now.

Out back you're on a preserve lot, so you're not staring into another backyard. Just trees, with an elementary school beyond that, which means no future construction directly behind you. And then there's the location. You're about 10 minutes to downtown St. Augustine and roughly 4 miles to the beach. Close to everything people move here without the price of being in the historic district or on the island. Shopping, dining and everyday errands are all within easy reach, while the community itself stays quiet and low key. Ravenswood Village allows rentals with a one month minimum, which gives you flexibility most communities don't. Full time, part time or income producing when you're not here. It's a newer, low maintenance home in a location that's getting harder to buy into at this price point - which is exactly where the value is!

Features

  • Rooms: 4
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 43 x 121
  • Laundry: Electric Dryer Hookup
  • Style: Traditional
  • Year Built: 2023
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,219
  • Acreage: 0.12
  • Lot Size: 43 x 121
  • Est. Taxes: $2,946
  • HOA Fee: $115 Quarterly
  • View: Trees/Woods
  • Elem. School: Crookshank
  • Middle School: Sebastian
  • High School: St. Augustine
  • Appliances: Dishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
  • MLS#: 2142236
  • Days on Market: 38 days
  • Website: https://www.raveis.com
    /prop/2142236/144silverbirchstreet_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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144 SILVER BIRCH Street, Saint Augustine, FL, 32084

$297,000

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 $237,600 $237,600 $237,600
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.500% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.230% 6.650% 5.866%
Monthly Tax Payment $246 $246 $246
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,444 $1,502 $1,957
Total Monthly Payment $1,765 $1,823 $2,278

* 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.