225 TWENTIETH Street, Saint Augustine, FL, 32084 | $945,000

Experience the best of coastal living in this beautifully maintained single-story 4-bedroom, 2-bath home in North Beach, St. Augustine. Located just one lot off A1A with direct beach access steps away, this home offers the perfect blend of comfort, convenience, and beachside charm.

Thoughtfully custom built in 2020 by the original owners, the home was designed to bring the outdoors in. Expansive 8-foot double doors throughout the living room and primary suite create an open, airy flow that makes everyday living feel seamlessly connected to the coastal surroundings.

Natural light fills the open-concept living space, creating a bright and inviting atmosphere perfect for relaxing or entertaining after a day at the beach. Built high and dry, this home has never flooded, offering added peace of mind.

Step outside to your private fully fenced backyard featuring spacious decking, green space, and an outdoor shower--ideal for rinsing off sandy feet, hosting summer dinners, or enjoying evenings in the coastal breeze. The property also offers ample parking for cars, boats, or golf carts. Located behind the fence, the 32'x16' concrete pad is ready to store all your toys with space for a camper or boat. Equipped with full RV hookup: 50-amp electrical service with water & sewer hookup, it's a great multi-use area! The split-AC 2-car garage has been transformed into a versatile flex space perfect for a game room, gym, or entertaining area. Could easily be used for cars as well. Whether you're searching for a full-time residence, vacation retreat, or investment opportunity, this move-in-ready coastal gem places you just moments from the beach, restaurants, and everything Vilano Beach and St. Augustine has to offer.

Features

  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Washer Hookup
  • Style: Craftsman
  • Year Built: 2020
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,903
  • Acreage: 0.23
  • Est. Taxes: $6,082
  • Lot Desc: Few Trees, Sprinklers In Front, Sprinklers In Rear
  • Elem. School: Ketterlinus
  • Middle School: Sebastian
  • High School: St. Augustine
  • Appliances: Dishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
  • MLS#: 2148227
  • Days on Market: 7 days
  • Website: https://www.raveis.com
    /prop/2148227/225twentiethstreet_saintaugustine_fl?source=qrflyer
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The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than William Raveis Real Estate are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.
Listing courtesy of Berkshire Hathaway Homeservices Florida Network Realty

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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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

225 TWENTIETH Street, Saint Augustine, FL, 32084

$945,000

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 $756,000 $756,000 $756,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.312% 6.361% 6.183%
Monthly Tax Payment $507 $507 $507
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,472 $4,655 $6,380
Total Monthly Payment $5,071 $5,254 $6,979

* 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.