This home is in South Ponte Vedra Beach, St. Augustine.

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Active·211 days on market·South Ponte Vedra Beach

930 State Road 16

St. Augustine, FL 32084

$2,100,000Est. $10,707/moMLS# 1242005

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About this home

South Ponte Vedra Beach

Location, Location, Location. Two sites 920 & 930 selling as one. Developers and business owners looking for quality sites on main highways take note. Don't miss your opportunity to acquire this Ultra Prime Location. Literally one of the Last Quality Sites in this extra high growth corridor surrounding SR 16 and Woodlawn Rd. Synergy is at an all time High. In the last 2 years every site available has sold and is in construction phase or will be soon. Traffic count (ADT) in the area is increasing for several reasons. First, Holmes Blvd to the S. of 16 has recently had the first mile of the 312 extension completed. Second, Woodlawn Rd to the N. of 16 is in the process of being widened. Third, there are approx 550 new housing units coming to the immediate area not counting the Tapestry which recently opened a mile to the West. Tapestry is a top end rental community with around 300 units. Please note the aerial pics will detail the location of the developments around this site for sale

Cost to own

Mortgage calculator

Home Price

$2,100,000

Down Payment: 20%

$420,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$10,707

Principal & Interest: $10,707

Property taxes (est.): $2,794

Insurance (est.): $1,400

Estimated Total Monthly

$14,902

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$10,707

Property taxesest. at asking price, St. Johns County$2,794

Estimated total, before insurance$13,502/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,700/yr · $475/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$743,634	$186,170	—
2025	$104,731	$104,731	—
2024	$743,634	$169,245	—
2024	$106,570	$96,991	▲ $6,019
2023	$705,693	$153,859	▼ $844,069
2023	$105,487	$88,174	▲ $6,053
2022	$369,768	$139,872	—
2022	$95,629	$80,159	—
2021	$127,156	$127,156	—
2021	$72,872	$72,872	▲ $2,257
2020	$127,156	$127,156	—
2020	$74,082	$23,032	—

2024 property taxes (current owner): $5,700/yr

Estimated taxes if purchased at asking price: ~$33,500/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,507 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History