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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Augustine — a home near Pedro Menendez High School.

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Active

Active·262 days on market

2570 US Highway 1 S

St. Augustine, FL 32086

$1,100,000$1060/sqftEst. $6,093/moMLS# 2003965
3
Beds
1
Baths
1,038
Sq Ft
1961
Built
3
Garage
No
Pool
FEMA Zone XNo HOASingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

St. Augustine

Investment opportunity!! 100 feet of frontage on US 1 S in a prime location. 4 opportunities on one .56 acre lot. A residential home that is currently rented yearly (May renewal). A 2,882 sq ft building that houses a beauty shop with 8 weekly booth rentals and a gun shop that is currently leased. Lastly there this a separate oversized garage that can be rented as well. Walmart is situated across the street and Auto Zone is next door. Owner financing is available! This is also listed commercially.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$6,093
Property taxesest. at asking price, St. Johns County$1,464
Estimated total, before insurance$7,557/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,100,000
$220,000
Loan Term
Monthly Payment
$6,093
Principal & Interest: $6,093
Property taxes (est.): $1,464
Insurance (est.): $733
Estimated Total Monthly
$8,290
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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: Shingle — year not disclosed (home built 1961)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from St Johns County Utilities - water accounts per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,724 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:28 AM, sunset 6:54 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$711,712$651,780—
2024$592,527$592,527—
2023$587,272$587,272—
2022$534,417$420,236—
2021$488,769$382,033—
2020$499,681$347,303—

Estimated taxes if purchased at asking price: ~$17,600/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.

History

Price & status history

  • Jan 26, 2026Listed$1,100,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $314/sq ft; this home is listed at $1,060/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1037 Prince Road, St. Augustine, FL 32086Listed by WATSON REALTY CORPJul 2025$262,000$2622/11,00080.5
108 Aspen Road, St. Augustine, FL 32086Listed by PONTE VEDRA CLUB REALTY, INC.Sep 2026$419,000$3143/21,334530.6
345 Orchis Road, St. Augustine, FL 32086Listed by KELLER WILLIAMS ST JOHNSJun 2026$425,000$3483/21,223331
234 Hawthorne Road, St. Augustine, FL 32086Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC.Sep 2025$349,000$2683/21,30001
2665 Hispanola Avenue, St. Augustine, FL 32086Listed by STA SUNRISE REALTYJun 2026$146,000$1692/2864441.2
5015 Shore Drive, St. Augustine, FL 32086Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$300,000$3243/1925621.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,100,000
Price / Sq Ft$1,060
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,038
Total Structure Area1,342 sq ft
Year Built1961
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
StatusActive
# of Garages3
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryOsceola
Reported middleMurray
Reported highPedro Menendez
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address2570 US Highway 1 S, St. Augustine, FL 32086
Area335-St Augustine South
SubdivisionHighway
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32086
Parcel Number2447300000
ZoningRetail

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Carport, Garage

Interior

AppliancesElectric Oven
HeatingCentral
CoolingCentral Air
FlooringWood
# of Stories1

Exterior

RoofShingle
ConstructionAluminum Siding, Vinyl Siding
Road FrontageHighway

Additional Information

Date ListedJanuary 26, 2026
Days on Market563
Listing TermsCash, Conventional, FHA, Owner May Carry, Private Financing Available, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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