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This home is in St. Augustine.

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Active·402 days on market

1770 Woodlawn Road

St. Augustine, FL 32084

$1,100,000Est. $5,649/moMLS# 2078106

Beds

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Garage

Pool

About this home

St. Augustine

Prime commercial opportunity! This expansive 2.5+ acre parcel is perfectly situated in the rapidly expanding St. Johns County, just minutes from residential developments, vibrant shopping, and dining options along the bustling State Road 16 corridor. Positioned next to a future medical care facility, this property boasts exceptional potential for a variety of commercial uses. With 235 feet of frontage on Woodlawn Road and an additional 46 feet along State Road 16, it offers maximum visibility in a high-traffic area—9,300 vehicles per day on Woodlawn Road (2022 AADT). Just 3.5 miles to I-95 and 2.5 miles to US-1, this location is a perfect gateway for business growth. Currently zoned RS-3 and subject to rezoning. This is an opportunity you won't want to miss—schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$1,100,000

Down Payment: 20%

$220,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$5,649

Principal & Interest: $5,649

Property taxes (est.): $1,464

Insurance (est.): $733

Estimated Total Monthly

$7,846

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$5,649

Property taxesest. at asking price, St. Johns County$1,464

Estimated total, before insurance$7,113/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$27,236	$22,215	▲ $2,002
2024	$25,457	$20,196	—
2023	$21,005	$18,360	—
2022	$18,689	$16,691	—
2021	$16,942	$15,174	▲ $2,670
2020	$13,795	$13,795	—

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.

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: ~977 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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