Income-producing opportunity with seller financing available! This unique and charming home offers a rare finished basement in Florida—perfect for rental income or multigenerational living. The main level features 1, 344 SF with original hard pine floors, 3 bedrooms, and 1 bathroom. The fully finished 1, 344 SF basement includes a kitchen, tile flooring, 2 bedrooms, 1 bathroom, and a separate outdoor entrance, providing an ideal setup to live upstairs and rent out the lower level., Enjoy an inviting front porch, a spacious back deck for entertaining, and potential rezoning to allow for a business upstairs with living quarters below. Additional features include no HOA, allowance for short-term rentals, a new roof in 2025, and no flood insurance required, as the property is located on one of the highest points in St. Johns County. Just a short bike ride from historic downtown St. Augustine, this property is a rare find with incredible flexibility and income potential. Schedule a private tour today!