3096 COASTAL HIGHWAY, Saint Augustine, FL, 32084 | $1,475,000

For more than 35 years, this oceanfront property has been the backdrop for generations of family memories, with the beach serving as an extension of the backyard. Now, the time is ripe for a new owner with their own vision to create a own coastal haven, whether as a private family retreat, an income-producing investment or a combination of both. Located at 3096 Coastal Highway, this legally zoned duplex is centrally positioned on a deep 275-foot lot, leaving ample space for the addition of a pool, expansive decking and outdoor entertaining areas to be enjoyed nearly all year-round. The upper-level residence serves as the primary living space and is accessed through a large foyer. A generous kitchen overlooks the dining and living areas, all oriented toward inviting vistas of the Atlantic Ocean. Large windows fill the home with natural light, and nearly every room enjoys a water view. The living room and primary bedroom open through sliding glass doors to an expansive deck spanning the width of the home. No better place to greet the sun and ocean breeze with morning coffee in hand. From here, a private boardwalk leads across the lawn directly to the sand and surf. The guest bedroom and bath are situated off the dining area, providing privacy and separation from the primary suite. Additional conveniences include a dedicated laundry closet and a small front porch where two can watch the brilliant sunset skies. The first-floor apartment features a private entrance on the north side of the home. Its open-concept kitchen, dining, and living area extends to a covered patio through sliding glass doors. Two bedrooms share a full bath, and the unit includes its own laundry room, making it well-suited for guests, extended family, or rental income. For buyers seeking a single-family configuration, the home's layout naturally lends itself to multi-generational living, with distinct spaces that offer both
togetherness and privacy. A single-car garage provides valuable storage or sheltered parking for your beach vehicle and recreational gear. Just ten blocks from the heart of Vilano Beach, residents enjoy convenient access to the area's vibrant commercial district, featuring restaurants, shops, live music venues, hotels and a major grocery store. A short drive across the bridge leads to the historic charm of St. Augustine, where renowned dining, shopping, cultural attractions and exploration of historic sites await. Whatever your intended use or uses might be, this oceanfront duplex offers versatile options to explore. Just don't forget your straw hat!

Features

  • Bedrooms: 8
  • Laundry: Inside
  • Year Built: 1978
  • Garage: 1-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,388
  • Acreage: 0.33
  • Est. Taxes: $10,496
  • Lot Desc: CoastalConstruction Control Line, Flood Insurance Required
  • Water Front: Yes
  • MLS#: FC319445
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/FC319445/3096coastalhighway_saintaugustine_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 6/28/2026 4:43:27 AM)
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NMLS Mortgage Loan Originator ID 16953

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3096 COASTAL HIGHWAY, Saint Augustine, FL, 32084

$1,475,000

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 $1,180,000 $1,180,000 $1,180,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.000% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.251% 6.086% 6.183%
Monthly Tax Payment $875 $875 $875
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,886 $7,075 $9,958
Total Monthly Payment $7,886 $8,075 $10,958

* 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.