Welcome to 215 4th Street. A perfect example of a prime location St Augustine Beach bungalow. Walk or bike to the beach with board in hand. The waves are less than 1/2 a mile away! The property has 1106 sq ft of bright and tidy space inside. With 3 bedrooms and 2 full baths it's easy to make room for hobbies or enjoy a vacation beach home. 215 4th is ready for your personal touches. An owner could easily add crushed shell to the front yard to make more room for parking, however the driveway holds 4 compact vehicles. The exterior of the home has been given extra attention with concrete footings and expanded slab all around. This helps with sandy toes and property maintenance. Additionally they are storm shutters for the windows and yes this property is in flood zone X, there is no flood insurance required! Quiet and private the home is tucked away at the end of 4th Street. Very minimal cars and driveway traffic to deal with. Mature tree growth to the rear of the property gives shade. On the west side of A1A Beach Blvd the property is in beach walkers paradise. In the morning hit the local coffee shops, lunchtime fun at local Stir it Up or surfshops and dinner with drinks at several locations within half a miles walk. The home has a a two car garage with heating and air duct. Washer and dryer is included with purchase as well as a handy shed in the backyard for boards, bikes or yard care equipment. Home is fully fenced for fido, kids and privacy. The fireplace within the living room is wood burning for chilly winter days. Come see 215 4th today!
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William Raveis Real Estate
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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 | $468,000 | $468,000 | $468,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 6.125% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.483% | 6.273% | 5.268% |
Monthly Tax Payment | $490 | $490 | $490 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,844 | $2,844 | $3,698 |
Total Monthly Payment | $3,426 | $3,426 | $4,280 |
* 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.