13545 COUNTY RD 13 N St. Johns River frontage with CHT commercial zoning and an existing residential use presents a distinctive opportunity in St. Augustine's historic Tocoi area. Situated on a private cove with approximately 120 feet of direct river frontage, this beautifully maintained 3-bedroom, 2.5-bath property combines waterfront living with potential for future use, subject to applicable zoning and approvals. Boating amenities include two boat slips, one boat lift, and access to a shared boat ramp. Shared easements cover water, commercial septic, the ramp, and docks; supporting documents are available for review. A metal roof, transferable termite bond, & available survey and elevation certificate add to the property's appeal. The home rests on a three-foot raised slab, with no flooding during current ownership or reported in the prior listing. River views from all three bedrooms, a first-floor primary suite, & inviting outdoor spaces make the home equally appealing for its current residential use. Enjoy waterfront sunsets from the screened porch, open deck, or swing on the wraparound porch, surrounded by mature live oaks and Spanish moss. Improvements include a bathroom remodel and select kitchen appliances in 2024, a dock roof replacement, updated lighting, and new porch screens in 2023, HVAC and deck railings in 2020, and re-plumbing and a stove replacement in 2018. Fireplace tile and mantle updates 2026. Space to accommodate a boat or RV further complements the waterfront setting. Explore the possibilities of this riverfront property, where an established residence, boating amenities, and commercial zoning come together in a peaceful St. Johns River location. Inquire for zoning and shared-easement details.