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18 Oak St, Saint Augustine, FL, 32084 | $635,000
Welcome to 18 Oak St, a charming 4-bedroom, 2-bathroom home nestled in the heart of historic Uptown St. Augustine, within the desirable Hildreth Back Bay of Fullerwood Park. Built in 1924, this beautifully maintained residence spans 1, 644 sq ft and sits on a generous . 34-acre lot, offering ample space for outdoor living with room to add a pool. Step inside to find brand-new white oak hardwood floors, complemented by a thoughtfully remodeled master bathroom, guest bathroom, and a completely remodeled kitchen featuring marble countertops, beautiful white cabinets, and newer appliances. The home's character is preserved with modern upgrades, including new impact windows (2020), a roof (2018), HVAC (2017), a tankless water heater (2020), and fresh interior paint. The property also boasts a detached 3-car garage, built in 2020, with an unfinished 364 sq ft space above—perfect for creating a 1 bed/1 bath studio apartment, ideal for Airbnb potential (building plans available upon request). Additional highlights include Hardie board siding, spray foam insulation, updated plumbing, and a spacious driveway accommodating up to 12 cars. With no HOA, this home combines historic charm with modern convenience, all in a prime location close to the vibrant downtown of St. Augustine and just 5 minutes from the sandy beaches of Vilano. The 4th bedroom is non-conforming and currently being used as a gym. Don't wait, schedule a showing today!
Features
- Bedrooms: 4
- Baths: 2 full
- Lot Size: 14810
- Style: Cottage
- Year Built: 1924
- Heating: Central
- Cooling: Central,Electric
- Approx Sq. Feet: 1,644
- Acreage: 0.34
- Lot Size: 14810
- Est. Taxes: $2,793
- Elem. School: Ketterlinus Elementary
- Middle School: Sebastian Middle
- High School: St. Augustine High
- MLS#: 244086
- Days on Market: 80 days
- Website: https://www.raveis.com
/prop/244086/18oakst_saintaugustine_fl?source=qrflyer
Listing courtesy of MOMENTUM REALTY
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
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- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
18 Oak St, Saint Augustine, FL, 32084
$635,000
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $508,000 | $508,000 | $508,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.250% | 6.990% | 6.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.582% | 7.159% | 6.518% |
| Monthly Tax Payment | $233 | $233 | $233 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,465 | $3,376 | $4,356 |
| Total Monthly Payment | $3,790 | $3,701 | $4,681 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388