Extraordinary opportunity to own a meticulously maintained historic 1930s beach cottage, nestled on the highly sought-after east side of A1A, just 100 steps from the sand in Vilano Beach. This rare find offers a blend of historical charm and modern convenience, featuring 2 bedrooms and 2 bathrooms, kitchen and living room plus a fully finished detached studio. The home boasts beautiful southern heartwood pine walls, expansive entertainment decks (both open and covered), and a fully fenced, larger-than-average lot, providing ample privacy and space for your imagination. Located in the famous Beachcomber section of Vilano Beach, you can easily walk to the town center, Vilano Pier, Vilano Beach Waterfront Park, the new Pesca rooftop restaurant and other known waterfront restaurants! The vibrant historic district of St. Augustine is less than 2 miles away, and you’re just 1 mile from Camachee Cove Island, offering waterfront dining options. This property has been a cherished second home and an income-producing vacation rental, with no HOA and no minimum night rental restrictions—perfect for those seeking flexibility and investment potential. The home is also very energy-efficient, with new split units, and is situated in an X flood zone, meaning minimal risk and no requirement for flood insurance. Don’t miss out on this incredibly rare find!
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Our Executive Mortgage Banker:
Our Insurance Division:
$690,000
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 | $552,000 | $552,000 | $552,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.125% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.512% | 6.273% | 5.248% |
Monthly Tax Payment | $305 | $305 | $305 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,444 | $3,354 | $4,362 |
Total Monthly Payment | $3,841 | $3,751 | $4,759 |
* 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.