|
|
One of the few homes currently available in Davis Shores at this price point that has never flooded. Original hardwood floors remain intact throughout much of the home, offering a rare testament to the property's history and resilience while providing buyers added confidence when evaluating flood insurance options. In a neighborhood where flood history is often a buyer's first question, this Davis Shores home offers peace of mind that's increasingly difficult to find. Lovingly maintained as a personal residence, this concrete block mcm combines island charm with practical updates, including a metal roof, HVAC system (inside and out), and complete plumbing upgrades, all completed in 2021. Set on a beautifully eco-scaped . 19-acre lot, the property offers room to expand, entertain, garden, or simply enjoy the laid-back island lifestyle. Inside, natural light fills the home, highlighting the original oak floors and inviting living spaces. Owner is a licensed Florida real estate agent. The enclosed porch offers flexibility as a home office, art studio, reading room, or creative retreat. The kitchen connects to an additional enclosed rear porch with a large storage closet, creating even more usable space. Outside, enjoy a spacious backyard with a partially covered 13' x 13' patio, mature magnolia tree, and rear alley access ideal for storing a boat or bringing in larger equipment. An extra-deep garage provides laundry space and overhead storage. Both bedrooms are situated off a short hallway and share a hall bath. Most windows throughout the main living areas have been updated in recent years, bringing in abundant natural light. Located just minutes from historic downtown St. Augustine, the beaches, restaurants, and marinas, this home offers the opportunity to enjoy island living without sacrificing convenience.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$395,000
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
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $316,000 | $316,000 | $316,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.603% | 5.952% |
| Monthly Tax Payment | $510 | $510 | $510 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,893 | $1,995 | $2,624 |
| Total Monthly Payment | $2,478 | $2,580 | $3,209 |
* 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.