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Active

Active·734 days on market

0 Flagler Boulevard

St. Augustine, FL 32095

$51,000Est. $260/moMLS# 2038300

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

St. Augustine

Vacant Land in St. Augustine just off US-1. A unique opportunity to build the home of your dreams in a private and secluded setting among the trees. NO HOA or NO CDD fees. Property is NOT in a flood zone. The area is conveniently located between historic downtown, beaches, Outlet Mall, within close proximity to Jacksonville and the Ponte Vedra area. Multiple access to the property. Best option is to drive to the end of the road to avoid down trees and then make a left when you see the house (road will curve to the left) and then walk or drive if possible until you see sign.

Cost to own

Mortgage calculator

Home Price

$51,000

Down Payment: 20%

$10,200

Interest Rate: 6.58%

Loan Term

Monthly Payment

$260

Principal & Interest: $260

Property taxes (est.): $68

Insurance (est.): $34

Estimated Total Monthly

$362

*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$260

Property taxesest. at asking price, St. Johns County$68

Estimated total, before insurance$328/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.

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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified

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

Solar potential: ~1,789 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