190 PALISADE Drive, Out of Area, FL, 32092 | $680,000

Discover the perfect synthesis of modern luxury, functional design, and energy-efficient living in this exquisitely upgraded 4-bedroom, 2. 5-bathroom residence nestled in the highly desirable Shearwater community. Situated on a prime homesite along the coveted Palisade Drive, this property offers both aesthetic appeal and exceptional utility.
Upon entry, you're welcomed into a luminous, open-concept floor plan enhanced by abundant natural light and thoughtfully curated architectural details. The interior boasts wide-plank luxury vinyl and designer tile flooring throughout—a completely carpet-free environment that exudes both elegance and practicality. A custom-built entertainment center and integrated shelving system anchor the main living space, while a versatile upstairs bonus room provides the ideal setting for a secondary lounge, home office, or media retreat. The sunroom/ dining room drenched in sunlight, adds a tranquil transitional space that invites relaxation. The gourmet kitchen is a showpiece in both form and function, a large quartz countertops, double oven, gas stove, stainless appliances. Beautiful custom walk-in pantry, striking marble backsplash, brand-new stainless steel refrigerator, and a secondary refrigerator located in the garageperfect for entertaining or additional storage. Step outside to an impeccably designed backyard oasis, where a covered lanai, paver patio, fully equipped outdoor kitchen, and gas fireplace create the ultimate setting for al fresco dining and gatherings. A generous expanse of manicured green lawn and raised garden beds offer ample space for recreation, gardening, or serene reflection. This home is technologically advanced and exceptionally efficient, featuring: * Paid-off solar panel system for long-term utility savings * Smart climate control via a brand-new HVAC system * Whole-house water softening system * Tankless water heater * Installed and included Ring smart security cameras All four generously sized bedrooms are thoughtfully located on the upper level, providing a private sanctuary away from the primary living areas. Positioned in the heart of Shearwaterrenowned for its extensive nature trails, resort-caliber amenities, and top-rated school zonesthis residence presents a rare opportunity to own a home that blends contemporary sophistication with sustainable living. This is more than a homeit's a lifestyle defined by comfort, efficiency, and architectural grace. Schedule your private tour today. Owner is licensed real estate agent.

Features

  • Amenities: Barbecue, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Laundry: Electric Dryer Hookup, Gas Dryer Hookup
  • Style: Traditional
  • Year Built: 2017
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,737
  • Acreage: 0.17
  • Est. Taxes: $6,541
  • HOA Fee: $236 Annually
  • Elem. School: Trout Creek Academy
  • Middle School: Trout Creek Academy
  • High School: Beachside
  • Appliances: Dishwasher, Disposal, Double Oven, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater
  • MLS#: 2081771
  • Days on Market: 29 days
  • Website: https://www.raveis.com
    /prop/2081771/190palisadedrive_outofarea_fl?source=qrflyer
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Listing courtesy of CASTILLO REAL ESTATE JAX

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
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Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

190 PALISADE Drive, Out of Area, FL, 32092

$680,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

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 $544,000 $544,000 $544,000
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 7.108% 7.063% 6.152%
Monthly Tax Payment $545 $545 $545
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,438 $3,574 $4,554
Total Monthly Payment $4,075 $4,211 $5,191

* 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.