Welcome to 8 Spencer Street, a beautifully restored historic home nestled in the nation's oldest city, St. Augustine. This spacious, 2552 square foot (almost 900 sq ft added since purchase), 3-bedroom, 2-bathroom residence blends timeless charm with modern comforts. Built in 1925, this home boasts has classic appeal including refinished hardwood floors, high ceilings, and original woodwork. The exterior features a welcoming front porch perfect for enjoying time outdoors and the home is positioned on an oversized corner lot. The living room is bathed in natural light, creating a warm and inviting atmosphere. The updated chef's kitchen features stainless steel appliances, solid surface countertops, and custom cabinetry. The entire second floor is dedicated to an expansive primary suite, offering ultimate privacy. It includes vast closet space and an en-suite bathroom with a soaking tub, separate custom tile shower, and double vanities. The meticulously landscaped backyard offers a tranquil escape with new landscaping, mature trees, a pavered patio, and a cozy fire pit area. The spacious yard provides plenty of room for a garden or a pool and includes an irrigation well for easy maintenance. A versatile 288 sq ft detached building offers endless possibilities for a home office, workshop, or gym. The property also features a spacious four-car garage with RV-sized doors, providing ample room for vehicles, storage, and recreational toys. Within walking distance to the booming West King district, known for its vibrant community and trendy eateries, this home is also just minutes from excellent schools and historic downtown St. Augustine. The home is equipped with central heating and cooling, including one new HVAC system. Updated electrical and plumbing systems ensure modern functionality. The property is fully fenced, providing privacy and security. Priced below recent appraised value, this property represents an outstanding investment opportunity in one of Florida's most desirable and historic communities. Don't miss the chance to make this captivating property your own. Schedule a private tour with your agent today and experience the charm and elegance of this historic gem!
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Our Executive Mortgage Banker:
Our Insurance Division:
$640,000
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 | $512,000 | $512,000 | $512,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.477% | 7.159% | 6.498% |
Monthly Tax Payment | $933 | $933 | $933 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,406 | $3,403 | $4,390 |
Total Monthly Payment | $4,431 | $4,428 | $5,415 |
* 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.