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This enchanting 1900-built cottage in the heart of historic downtown St. Augustine feels like something out of a storybook! From the moment you step inside, a sense of peace and timeless charm surrounds you, making it one of a kind. Included in the sale is the vacant lot to the right, a rare bonus that offers endless possibilities—expand the home, create lush gardens, build a garage with an artist's loft above or simply enjoy the extra privacy. Every inch of this home exudes character, from the chandeliers sourced from an antebellum estate in Atlanta to the intricate details that make each space feel magical. The living room’s built-in bookcase invites you to display cherished books and heirlooms, while the primary bedroom, with its soaring cathedral ceilings and elegant chandelier, feels like a peaceful retreat. Hidden away like a well-kept secret, a charming loft space offers the perfect reading nook or whimsical hideaway for children and adults alike. The large kitchen, featuring a gas stove and ample storage, opens to a dining space framed by oversized windows overlooking the picturesque back and side yard. Thoughtful updates, including a newer mini-split AC system, updated electrical and plumbing (2013), and the metal portion of the roof replaced in 2018, ensure modern comfort without compromising the home’s historic soul. The second bathroom, with its quaint slipper tub, adds to the home's undeniable charm. A detached workshop with a washer and dryer provides additional functionality. The home has never flooded and a termite bond is in place, giving you peace of mind. Nestled in the heart of Lincolnville, you'll be immersed in the rich history and vibrant culture of this cherished neighborhood. Stroll along the picturesque streets and soak in the stories of the past. Take a stroll along the intracoastal and St. George Street or indulge in the local culinary scene with dining options like the Cornerstone Cafe, Ice Plant, La Nouvelle, and Dog Rose Brewery, all within walking distance. Whether you’re looking for a primary residence, a second home, or a rental property, this home is a rare gem waiting to be cherished. Listing includes vacant lot to right, parcel ID 2094900000.
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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 | $399,200 | $399,200 | $399,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.058% | 7.063% | 6.132% |
Monthly Tax Payment | $317 | $317 | $317 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,523 | $2,622 | $3,342 |
Total Monthly Payment | $2,915 | $3,014 | $3,734 |
* 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.