Charming Beach Cottage in the Heart of Vilano Beach
Discover this delightful 2-bedroom, 2-bath beach cottage, a rare find among the original Pagoda cottages on the east side of A1A in popular Vilano Beach. This meticulously maintained home features a detached finished work studio, providing additional square footage for your creative endeavors or remote work.
Set on an oversized lot, this property offers endless possibilities for expansion or the possible addition of a pool, allowing your imagination to run wild. Enjoy spacious deck areas perfect for lounging and entertaining, all while being just 100 steps from the sandy shores of Vilano Beach. This inviting outdoor space invites you to soak up the sun, host gatherings, or unwind with a book, making every moment feel like a vacation. With no HOA restrictions, this cottage is ideal for full-time living, a second home, or a lucrative vacation rental. Its unbeatable location places you less than 2 miles from St. Augustine's most iconic historic sites, just a mile from Camachee Cove via the scenic Vilano bridge, and mere steps from the vibrant Vilano Beach town center and its hottest restaurants.
Seize this opportunity to create your personal beach retreat and embrace the coastal lifestyle you've always dreamed of!
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Our Executive Mortgage Banker:
Our Insurance Division:
$660,000
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 | $528,000 | $528,000 | $528,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 6.990% | 5.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.708% | 7.133% | 6.256% |
Monthly Tax Payment | $305 | $305 | $305 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,647 | $3,509 | $4,453 |
Total Monthly Payment | $4,044 | $3,906 | $4,850 |
* 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.