10339 N County Road 13, Saint Augustine, FL, 32092 | $1,350,000

Unique Waterfront Estate on the St. Johns River with 2 separate Homes Discover the rare opportunity to own a beautifully maintained waterfront estate nestled along the majestic **St. Johns River**, offering endless possibilities for multi-generational living, rental income, or a private family retreat. This exceptional, fully fenced property features two separate residences, breathtaking river front views, and timeless Southern charm. The impressive Colonial center hall main residence offers **3 bedrooms and 2. 5 bathrooms** and has been continuously maintained throughout. A welcoming covered front porch with extra-wide brick steps creates outstanding curb appeal, while the classic floor plan provides spacious living areas filled with warmth, character, and natural light. Enjoy seamless indoor-outdoor living with French doors leading from the house to the screened porch that leads to a large open deck which then leads to the beautifully treed grounds, creating the perfect space for entertaining or simply relaxing while overlooking the tranquil waters of the St. Johns River. The home is equipped with two separate HVAC systems—one serving the upstairs and one serving the downstairs—for year-round comfort and efficiency. Above the garage, a spacious bonus room offers endless possibilities as a home office, game room, guest suite, or hobby space. Just outside, a private deck provides panoramic river views, making it the perfect place to enjoy your morning coffee, watch local wildlife, or take in spectacular Florida sunsets. Adding even more value, a separate 3-bedroom, 2-bath home with oversized 2 car garage is located across the street on the property. While it could benefit from a bit of TLC, it offers excellent potential as a guest house, income-producing rental, caretaker's residence, or additional living space. This one-of-a-kind waterfront estate combines classic Colonial architecture, peaceful riverfront living with beautiful views, and incredible versatility. Whether you're searching for a family compound, investment opportunity, or your own slice of paradise on the St. Johns River, this remarkable property is truly a rare find. See second House and bonus room info and sizes below: Bonus room above garage size- 25 x 22 Plus 14 x 8 open deck - 22 x 11 Second house: Living room - 26 x 11 Dining room - 13 x 9 Kitchen - 16 x 11 Master bedroom - 18 x 11 2nd bedroom - 11 x 11 3rd bedroom - 11 x 11

Features

  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Lot Size: 120 x 695
  • Style: 2 Story,Other-See Remarks
  • Year Built: 1998
  • Heating: Central,Electric
  • Cooling: Central,Electric
  • Approx Sq. Feet: 2,240
  • Acreage: 1.8
  • Lot Size: 120 x 695
  • Est. Taxes: $668
  • Lot Desc: River Front,River View,Water Front, Wooded
  • Water Front: Yes
  • Boat Access: No
  • Elem. School: Picolata Crossing
  • Middle School: Pacetti Bay
  • High School: Tocoi Creek
  • MLS#: 263116
  • Days on Market: 0 day
  • Website: https://www.raveis.com
    /prop/263116/10339ncountyroad13_saintaugustine_fl?source=qrflyer
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Listing courtesy of Sherries South Shore 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

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10339 N County Road 13, Saint Augustine, FL, 32092

$1,350,000

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 $1,080,000 $1,080,000 $1,080,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.000% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.218% 6.133% 6.183%
Monthly Tax Payment $56 $56 $56
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,389 $6,475 $9,114
Total Monthly Payment $6,570 $6,656 $9,295

* 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.