Welcome to 20 Riberia Street in historic downtown St. Augustine! This gem of a property offers a beautiful 3 bed/2 bath main house, plus a fully-equipped 1 bed/1 bath guest house located over a spacious 2-car garage. Located on a lovely corner lot, within walking distance to all the favorite downtown sites, shops, restaurants, Flagler College, and soon-to-open Southern Grounds coffee shop. The outdoor space is one to be envied. With a spacious front yard, inviting front porch, low maintenance landscaping, and dreamy backyard with a fire pit and entertaining space, there are lots of areas to relax or entertain. Offered fully-furnished, this property provides a turn-key solution for a second home, vacation rental, or combination of the two. Or, make this your full-time residence and host long- or short-term guests in the garage apartment. Inside the main house, you are greeted with stunning hardwood floors and an abundance of natural light. You will appreciate the thoughtful and artistic details throughout the home, including a vaulted ceiling in the front bedroom or office, custom light fixtures, European-influenced finishes, and a sleek kitchen design. The formal dining room is adjacent to the living room and kitchen, allowing plenty of space to host gatherings. The layout of the home offers a functional space - even including a cheerful nook off the kitchen - perfect for a home office, drop station, or additional seating area. Connecting the main house to the garage apartment is a covered breezeway, keeping you covered and dry on rainy summer days. The upstairs apartment features a legal and fully-equipped 1 bed/1 bath guest suite, with an open living/dining floor plan. The bedroom is bright and cheerful, and built-in bunk area off the living rooms allows for additional overnight guests. Beautifully decorated and furnished, this home is ready for you and your guests! Schedule your private tour today. Listing Agents preferred lender will offer 1% of loan amount towards buyers closing cost assistance or rate buydown. To take advantage of offer, buyer must use Edward Carlton from Bayway Mortgage Group for financing.
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$1,200,000
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 Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $960,000 | $960,000 | $960,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.625% | 6.625% | 6.625% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.282% | 6.762% | 6.036% |
Monthly Tax Payment | $1,086 | $1,086 | $1,086 |
H/O Insurance Payment | $125 | $125 | $125 |
Initial Principal & Interest Pmt | $6,147 | $6,147 | $8,429 |
Total Monthly Payment | $7,358 | $7,358 | $9,640 |
* 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.