634 BAY Street, Neptune Beach, FL, 32266 | $1,195,000

Welcome to your elevated coastal retreat. This one-of-a-kind Craftsman home with salt water pool sits on an oversized lot with lush landscaping, offering an abundance of space, light & privacy inside & out.

Located in the sweet spot of Neptune Beach, just two blocks from newly renovated Jarboe Park (pickleball, tennis, basketball, playgrounds, walking paths) & 5 blocks to the beach. The Bay St. Pedestrian Crosswalk grants easy access to the ocean & Beaches Town Center (dining/shopping- 5-minute bike ride. ) Four schools within walking distance.

Brick + Hardie plank/shingle exterior provide durability & curb appeal. Simonton impact windows (no hurricane shutters needed!) & custom shades are double hung - enjoy sea breezes while maintaining privacy.

5 beds and 3. 5 baths with 2 primary bedrooms. Original master has a walk-in closet & beachy bathroom. A 2011 renovation added a third story owners' suite with flex room (nursery/exercise/office), oversized bedroom (22' x 15'), dreamy his & hers closets, and large bathroom w/separate vanities, Jacuzzi tub & motorized shade. This level has its own tankless water heater and AC (2022. ) Enjoy the ocean sounds & sea breezes while relaxing or dining al fresco in front or out back. A grand entrance welcomes with flowers & tropical foliage, a spacious covered porch (also added in 2011) w/custom railing, & handsome front door with Art Deco glass inset & sidelight. The cheerful kitchen opens to a brick paver patio with trellis, overlooking the enormous back yardan entertainer's dream with multiple areas to relax, gather & play. The fully-fenced yard has custom gates flanked by brick pillars, sprinkler system w/well for irrigation, raised garden/flower beds, and a shed/workshop with air conditioning. Lounging by the easy-to-maintain salt water pool transports you to a serene tropical oasis, with only trees & colorful native flowers visible (that attract an abundance of bees, birds, and butterflies. ) Deep paver driveway, 2-car garage, plenty of storage, hand-forged iron stair rails, wood burning brick fireplace, and whole-home water softener. Beautiful hardwood floors upstairs, tile down & in all baths. Designer wallpaper, curtains, fans, & lighting fixtures. This stately split-level offers the best of indoor/outdoor beach living. Homes in this quiet heart of Neptune Beach rarely come to market. Charm, sophistication, high-quality construction, space, and privacy can be yours in sought-after Bal Harbour Estates.

Features

  • Bedrooms: 5
  • Baths: 3 full / 1 half
  • Lot Size: 108 x 116
  • Laundry: Electric Dryer Hookup, Washer Hookup
  • Style: Other
  • Year Built: 1974
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air, Electric, Zoned
  • Approx Sq. Feet: 2,916
  • Acreage: 0.3
  • Lot Size: 108 x 116
  • Est. Taxes: $7,099
  • Lot Desc: Sprinklers In Front, Sprinklers In Rear
  • View: Pool
  • Elem. School: Neptune Beach
  • Middle School: Duncan Fletcher
  • High School: Duncan Fletcher
  • Appliances: Dishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned
  • MLS#: 2035603
  • Days on Market: 120 days
  • Website: https://www.raveis.com
    /eprop/2035603/634baystreet_neptunebeach_fl?source=qrflyer
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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
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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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

634 BAY Street, Neptune Beach, FL, 32266

$1,195,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $956,000 $956,000 $956,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.750% 6.625% 6.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.406% 6.762% 6.830%
Monthly Tax Payment $592 $592 $592
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,201 $6,121 $8,394
Total Monthly Payment $6,918 $6,838 $9,111

* 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.