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Welcome to 503 Twenty-Second Street, a beautifully maintained coastal retreat located in the highly desirable Vilano Beach/North Beach area of St. Augustine. Situated on an oversized lot just moments from the Atlantic Ocean, this spacious home offers the perfect combination of beachside living, comfort, and functionality. Built in 1994 and lovingly cared for by the same owners for more than two decades, the residence features an inviting floor plan designed for both everyday living and entertaining. Upon entering, you are greeted by a dramatic two-story foyer and staircase that creates an impressive first impression. The main level offers multiple gathering spaces, including a spacious living room, formal dining room, formal sitting room, an eat-in kitchen, and a convenient half-bath powder room for guests. Large windows throughout fill the interior with natural light, creating a bright and welcoming atmosphere. Upstairs, you'll find three generously sized bedrooms, two full bathrooms, and a dedicated office or den, providing flexibility for remote work, hobbies, a reading room, or additional guest space. The spacious primary suite offers a comfortable retreat, while the additional bedrooms provide ample room for family and guests. Outdoor living is equally inviting with a rear deck that is perfect for relaxing, entertaining, grilling, or enjoying the coastal breeze. The property also features a two car garage. Major updates provide peace of mind, including a Trane HVAC system and heating system that are approximately one year old and a roof that is approximately four to five years old according to the seller's disclosure. The home is connected to public water and sewer and is located in an area without HOA fees, allowing homeowners greater flexibility. This home offers an incredible opportunity for its next owner to bring their own style and vision to life. With its generous square footage, desirable floor plan, prime beachside location, and strong foundational updates already in place, it is ready for your personal touches, renovations, and customizations to truly make it your own. Ideally located near beaches, boating, fishing, dining, shopping, and historic downtown St. Augustine, this property presents a rare opportunity to enjoy the laid-back coastal lifestyle while remaining close to everything that makes St. Augustine one of Florida's most desirable places to call home. Whether you are searching for a primary residence, vacation home, or investment property, 503 Twenty-Second Street offers the space, location, and lifestyle you've been looking for.
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Our Executive Mortgage Banker:
Our Insurance Division:
$795,000
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 |
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|---|---|---|---|
| Loan Amount | $636,000 | $636,000 | $636,000 |
| 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 | $302 | $302 | $302 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,809 | $4,016 | $5,281 |
| Total Monthly Payment | $4,203 | $4,410 | $5,675 |
* 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.