Immerse yourself in Olde Florida in this charming mid century modern country retreat where OR (open rural) allows farm animals and room for the family. This is a rare opportunity to be one fence over from Palencia Club neighborhood. Lot can accommodate another home and has separate entrance. This stylish upgraded home is move in ready (partially furnished) and exudes southern charm with it’s open plan living space, stone fireplace and high ceilings. *Seller is offering a $7500 buyer credit at closing and home qualifies for up to $12K in down payment assistance for FHA loans. Upgrades include 2024 ROOF, AC, bathroom fixtures & counter tops, stainless appliances, fresh interior and exterior paint, backyard patio with lush greenery and pretty gardens. This hip 3 bedroom, 2 full bath home has separate oversized laundry room, convenient built in shelves, spacious bedrooms, an extra flex/office space and primary suite has an oversized walk in closet. Shed is currently workshop has new AC and electric and is able to be used as additional office/hobby space. Nestled in a serene landscape, this adorable home offers a peaceful lifestyle where you can bring a boat, RV or add a mobile home. Kitchen has breakfast bar and a large dining room area for family gatherings. Step upstairs to see tastefully decorated smart floorplan with large laundry room with sink and flex space in between the bedrooms and baths offering a back door to the outside patio. Located in the highly coveted Palencia school zone with the convenience of no HOAs, low taxes on . 32 acres, not in flood zone. This high and dry parcel is fully fenced with 3 driveway entrances offering convenience, privacy and low cost living just minutes from historic downtown St Augustine and I95 and around the corner from beautiful Palencia Park and top-rated Palencia schools. This country home is more than just a property; it’s a lifestyle choice that offers space, comfort, and the perfect setting for family memories. Don’t miss your chance to own this unique gem—schedule a viewing today and experience the magic for yourself!
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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 | $279,200 | $279,200 | $279,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.375% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.760% | 7.042% | 6.160% |
Monthly Tax Payment | $116 | $116 | $116 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,928 | $1,834 | $2,337 |
Total Monthly Payment | $2,119 | $2,025 | $2,528 |
* 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.