This home is in Surfside, St. Augustine.

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Active

Active·485 days on market·Surfside

103 Relajado Way 2

St. Augustine, FL 32084

$1,850,000$672/sqftEst. $9,846/moMLS# 2076207

Beds

Baths

2,752

Sq Ft

2025

Built

Garage

Pool

About this home

Surfside

Oceanfront GATED living at its finest! Welcome to the Colonia where luxury meets coastal living. Located in the heart of Vilano Beach within walking distance to restaurants and shops! This three bedroom ocean view townhouse complete with ELEVATOR has been thoughtfully designed with top of the line finishes. Enjoy sunrises and the ocean breeze from your private roof top deck. Chefs kitchen complete with a large island, thermador appliances, quartz countertops, and custom hood. Designer finishes can be found throughout such as Visual Comfort and Palacek lighting and Shumacher wallpaper. The amenities and features at Colonia continue to impress! The upscale pool area is the perfect place to relax or entertain, and the community courtyard adds another inviting space for gathering. Private deeded beach access for the community!! This is it - your search is over! Ask about our Preferred Membership to Gate Hospitality - Ponte Vedra Inn & Club, The Lodge & Club, Epping Forest, and The

Cost to own

Mortgage calculator

Home Price

$1,850,000

Down Payment: 20%

$370,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$9,345

Principal & Interest: $9,345

Est. Taxes & Insurance: $2,336

Estimated Total Monthly

$11,681

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$9,846

Property taxesest. at asking price, St. Johns County$2,462

HOAbilled monthly$650

Estimated total, before insurance$12,958/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $4,770,000 in September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$2,970,775	$2,970,775	—
2025	$70,000	$70,000	—
2024	$2,970,775	$2,970,775	—
2024	$70,000	$44,288	—
2023	$3,095,775	$3,095,775	—
2023	$55,000	$40,262	—
2022	$2,297,652	$1,378,743	—
2022	$55,000	$36,602	▲ $15,000
2021	$1,253,403	$1,253,403	—
2021	$40,000	$33,275	—
2020	$1,253,403	$1,253,403	—
2020	$40,000	$30,250	—

2024 property taxes (current owner): $37,531/yr

Estimated taxes if purchased at asking price: ~$29,500/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 2025)

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

Solar potential: ~1,683 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History