Welcome to 411 Wateroak St, a property that feels like home the moment you arrive. Nestled on a peaceful cul-de-sac in the sought-after Crescent Cove neighborhood, just 3 miles from Crescent Beach, this . 7-acre multi-family-zoned oasis offers endless possibilities for families, guests, or rental income. The main house is thoughtfully designed with 4 bedrooms, 2. 5 baths, an office, and a chef’s kitchen with, hardwood cabinets, cathedral ceilings and beautiful hardwood floors. Recent updates include a new roof, re-piped plumbing, select updated appliances, whole-house high-end water filter and softener, and an updated HVAC system with a UV-light and air scrubber, ensuring comfort and modern convenience. The luxurious primary suite and two-bedroom guest suite split floor plan gives a very private feel. There are too many updates and upgrades to list them all. The lanai and deck, with its heated pool, new oversized pool heater, and new heavy-duty pump, is your private retreat for relaxing or entertaining year-round. For added peace of mind, the home features electronic storm shutters and wiring for a whole-house generator. The guest house is equally inviting, offering 2 bedrooms, 1 bath, new roof, updated appliances, water softener, and its own two-car garage—perfect for extended family, guests, or generating rental income. Backing to the tranquil Moses Creek Conservation Area, the property feels like a true escape. Mature fruit trees, including avocado, peach, lime, apple, and fig, create a lush, inviting landscape, complemented by an irrigation system with a well to keep everything thriving. With no HOA, ample space for boats or RVs, concrete block construction, short-term rental zoning, multiple 240v outlets in both garages, and room for a potential additional structure (with county approval), this property is as practical as it is charming. Located high and dry in Zone X, and just minutes from boat ramps, beaches, and downtown St. Augustine, this home offers the perfect balance of comfort, convenience, and opportunity. Come see for yourself why 411 Wateroak St is more than just a home—it’s the lifestyle you’ve been dreaming of. The main house is 2348 sqft and the guest house is 584 sqft of heated space.
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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 | $679,920 | $679,920 | $679,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.625% | 6.375% | 6.375% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.209% | 6.498% | 6.579% |
Monthly Tax Payment | $651 | $651 | $651 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,354 | $4,242 | $5,876 |
Total Monthly Payment | $5,097 | $4,985 | $6,619 |
* 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.