This spacious concrete block ranch in St Augustine Shores offers an excellent opportunity to roll up your sleeves and turn into home. With all the major updates, including a 2017 roof, 2024 HVAC system, 2019 plumbing, and 2024 breaker box - you can focus your energy on customizing the interior to suit your needs and wants. Step inside and the bright living room runs the full depth of the home, flooded with natural light. The expansive space can easily handle several furniture groupings. The flexible dining/flex area at the rear of the home provides even more room for additional recreational space, more formal dining or a playroom for the littles. For those familiar with the typical galley kitchens in St. Augustine Shores, this home is a pleasant surprise. The kitchen is spacious, sunny and offers ample room for a future modern design. The thoughtfully designed L-shaped layout of the living, dining, and kitchen areas provides the flexibility to create gathering spaces for your family’s needs, with plenty of room to evolve as those needs change over time. Tucked away for privacy, the spacious main bedroom is conveniently located off the kitchen and features an en-suite bath with an updated shower. On the opposite side of the house, the additional two bedrooms and guest bath are positioned to a quiet wing for everyone. This floor plan strikes a smart balance between open living spaces and personal privacy, making it ideal for comfortable, flexible living. The current Florida room is a blank canvas awaiting your creativity - transform it into a large, year-round indoor/outdoor space that can be enjoyed all year round. Situated on a corner lot, this home offers plenty of outdoor space for gardening enthusiasts and room for all manner of backyard recreation. The St. Augustine Shores community adds even more appeal with membership options for the community pool, golf course, and day dock. Additionally, the community's sidewalks stretch the entire length of the Shores, perfect for taking a stroll or biking while getting in your daily exercise. If you're seeking a classic 3/2 Shores' home from the 80s with great potential and are excited to roll up your sleeves and personalize it, come visit us at 400 Shores Blvd.
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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 | $280,000 | $280,000 | $280,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 7.125% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.330% | 7.295% | 6.538% |
Monthly Tax Payment | $266 | $266 | $266 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,863 | $1,886 | $2,401 |
Total Monthly Payment | $2,204 | $2,227 | $2,742 |
* 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.