![]() |
Tucked away on a private cove along the St. Johns River, this beautifully maintained 3-bedroom, 2. 5-bath home offers a rare blend of tranquility, privacy, and true riverfront living. With 120 feet of direct river frontage and tide depths of at least three feet, the property is a true haven for boating enthusiasts. It includes two boat slips, one equipped with a lift, and boat ramp. The home sits high and dry on a three-foot raised slab and has never experienced flooding. A commercial-grade septic system, metal roof, transferrable termite bond, and available survey and elevation certificate provide added peace of mind. The property is zoned CHT commercial and is currently used as residential, offering exciting potential for future use or investment. Set along a live oak-lined street where branches draped in Spanish moss frame the view, the setting feels like a southern dream. Sunset brings golden light that dances across the water, creating a truly magical atmosphere. There are river views from all 3 bedrooms. The home's outdoor spaces invite you to relax and take it all in, whether from the screened porch, the open deck, or the classic wraparound porch swing. Inside, the primary suite is located conveniently on the first floor. Recent upgrades elevate both comfort and style, including a remodeled bathroom and new kitchen appliances in 2024. The stove was replaced in 2018. In 2023, the boat dock roof was replaced, lighting fixtures were updated, and new porch screens were installed. The HVAC and deck railings were replaced in 2020, and the home was re-plumbed in 2018. There is space to bring your boat, RV, or both, and enjoy a lifestyle defined by freedom and connection to the water. Located in the historic Tocoi area, once a steamboat and railway hub and even mentioned by Harriet Beecher Stowe in her 1873 book Palmetto Leaves, this is a place where history, nature, and serenity come together. Now, it is simply one of the most peaceful places to call home. Mutual easements for water, septic, ramp and docks. Please inquire for details.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$625,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $500,000 | $500,000 | $500,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.019% | 7.075% | 6.192 |
Monthly Tax Payment | $303 | $303 | $303 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,119 | $3,285 | $4,186 |
Total Monthly Payment | $3,514 | $3,680 | $4,581 |
* 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.