1 / 9

Active

Active·424 days on market

840 Josiah Street

St. Augustine, FL 32084

$135,000Est. $688/moMLS# 2090006

Beds

Baths

Sq Ft

—

Built

—

Garage

Pool

About this home

St. Augustine

Discover the possibilities with this generous 125x150 parcel (per public record) offering the rare potential to be subdivided into three separate lots. Whether you're looking to build a private estate, develop multiple homes, or invest for the future, this versatile property is a standout. With no HOA restrictions, you're free to bring your vision to life without the added constraints. Conveniently located near local amenities, schools, and just a short drive to downtown and the beach, this is a unique opportunity to secure valuable land in a growing area. Enjoy!

Cost to own

Mortgage calculator

Home Price

$135,000

Down Payment: 20%

$27,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$688

Principal & Interest: $688

Property taxes (est.): $180

Insurance (est.): $90

Estimated Total Monthly

$958

*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$688

Property taxesest. at asking price, St. Johns County$180

Estimated total, before insurance$868/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	$90,000	$65,884	—
2024	$97,500	$59,895	—
2023	$79,200	$54,450	—
2022	$54,600	$49,500	—
2021	$45,000	$45,000	—
2020	$45,000	$34,544	—

Estimated taxes if purchased at asking price: ~$2,200/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 · Public water (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: ~1,527 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