121 S 8TH Street, Fernandina Beach, FL, 32034 | $550,000
This charming, partially renovated cottage offers an unbeatable combination of historic charm and modern convenience, all just a block and a half from vibrant Centre Street! One of the standout features of this property is its flexible zoning. The C-3 designation means this home can be used for both commercial and residential purposes, providing endless possibilities. Whether you envision a charming residence, bustling office, duplex, retail store, or a combination of both, this property can accommodate your vision. Ample off-street parking and storage shed offers additional space for storage or space to build an accessory dwelling. Step inside to find a beautifully preserved piece of history, where the original heart of pine flooring, windows, and hardware seamlessly blend with contemporary updates. The staircase balustrade adds a touch of timeless elegance, making each step a journey through the past. Kitchen and bath have been updated to include new plumbing and electrical. Property has a new water heater and updated lower level air conditioning duct work. Roof replaced in 2020. The primary bedroom on the ground floor offers a serene retreat, while two additional rooms upstairs provide a versatile space. There's more potential to remodel the attic adding further value and convenience; options for additional bathroom and kitchenette. Don't miss out on this rare gem in Fernandina's historic downtown. This property offers a lifestyle rich in history, convenience, and modern comforts. Schedule a viewing today and step into your future at this beautiful, versatile property. Your dreams await!
Features
- Property Type: Mixed Use
- Year Built: 1900
- Approx Sq. Feet: 1,597
- Acreage: 0.12
- Est. Taxes: $4,237
- Lot Desc: Historic Area
- MLS#: 2035025
- Days on Market: 41 days
- Website: https://www.raveis.com
/prop/2035025/121s8thstreet_fernandinabeach_fl?source=qrflyer
Listing courtesy of SUMMER HOUSE REALTY
William Raveis Family of Services
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888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
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To learn more about our credentials, visit raveis.com today.
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
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
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
121 S 8TH Street, Fernandina Beach, FL, 32034
$550,000
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 | $440,000 | $440,000 | $440,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 7.250% | 6.990% | 5.990% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.655% | 7.146% | 6.276% |
| Monthly Tax Payment | $353 | $353 | $353 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,002 | $2,924 | $3,711 |
| Total Monthly Payment | $3,447 | $3,369 | $4,156 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388