Discover TWO homes on this one-of-a-kind property, minutes from downtown St Augustine. This unique Old Florida-style retreat features two charming homes on almost half an acre. Whether you choose to live in one home and rent the other, or host friends and family, this one-of-a-kind property offers endless possibilities. The Bungalow: Loaded with character and charm, the 1940s bungalow was meticulously renovated in 2023, with all new finishes. The 832 sq ft home has 2 bedrooms, one bathroom, and an open plan living area with dining room/office. The modern kitchen features a farm sink, white quartz countertops, dishwasher, oven, microwave and under sink reverse osmosis water filtration. The home features premium LVP flooring throughout. Tucked in a closet is a stackable LG washer and dryer. The metal roof was new in 2022, water heater 2024, AC is 2012. Tiny House: The modern tiny house also known as “Palm Cottage” is a 312 sq ft one bedroom home built in 2019 with a bedroom, full bathroom and kitchenette. Renovations in 2023 included new LVP flooring, new vanity, barn door and kitchenette with Frigidaire refrigerator and induction cooktop. The house has a separate power meter and internet. The mini-split air conditioner was updated in 2024. The tiny house is a successful short-term rental, earning $26K in its first year. Immerse yourself with the sounds of nature, swaying palm trees and with plenty of space for outdoor living, gardening and extra parking. Enjoy the freedom of no HOA rules or fees! Close the 8 ft gates and enjoy total privacy in your tree lined oasis. In addition to being an income property, the tiny home would also be perfect as a workshop, office, an in-law suite, or for families with older children who want privacy. The property is located in flood zone X, where no flood insurance required. Don’t miss this chance to own a slice of paradise. Contact the listing agent today to schedule your showing today.
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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 | $476,000 | $476,000 | $476,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.125% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.512% | 6.273% | 5.248% |
Monthly Tax Payment | $201 | $201 | $201 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,970 | $2,892 | $3,762 |
Total Monthly Payment | $3,263 | $3,185 | $4,055 |
* 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.