Minimal maintenance patio home close to the beach and located in the gated community of Sea Gate North. This 2bd/2ba home offers high ceilings, tile and plantation shutters throughout most of the home, new light fixtures and ceiling fans, new windows in 2016, new roof in 2014 with transferable warranty, new A/C with UV light in 2017, and new water heater in 2021. Additional features include a double sided wood burning fireplace to living room and primary bedroom, a spacious covered and glass enclosed porch to enjoy year round and overlooking the beautifully landscaped and private walled fenced yard making it a great space for the pups, the interior was painted in 2024 and the exterior in 2018, and there is a termite bond with Florida Pest Control in place. Yard maintenance, outside the walled fence is part of your low association fees, there is a community pool and only a handful of homes within the community. The white sand beach of St. Augustine is a 2-minute drive away and shops, restaurants and grocery store are within 5 minutes. This well-priced home will not last long.
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Our Executive Mortgage Banker:
Our Insurance Division:
$475,000
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 | $380,000 | $380,000 | $380,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.750% | 6.625% | 5.750% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.300% | 6.778% | 6.034% |
Monthly Tax Payment | $378 | $378 | $378 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,465 | $2,433 | $3,156 |
Total Monthly Payment | $2,918 | $2,886 | $3,609 |
* 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. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.