This home is in Sea Winds, St. Augustine.

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Active

Active·388 days on market·Sea Winds

890 A1A Beach Boulevard 39

St. Augustine, FL 32080

$985,000$616/sqftEst. $5,243/moMLS# 2094830

Beds

Baths

1,600

Sq Ft

1982

Built

Garage

Pool

About this home

Sea Winds

Fully Furnished with great rental history, oceanfront beautifully designed 3 story townhome in a gated St. Augustine Beach community. With 3 bedrooms, 3.5 baths, a 1 car garage & oceanfront balconies on every floor, this spacious home is perfect for enjoying panoramic views & ocean breezes. The 1st floor features a guest suite with a private bath & balcony, a second guest bedroom, a full bath, plus a laundry room. On the 2nd floor is an open concept living room with an oceanfront balcony, kitchen with granite countertops, stainless steel appliances & a charming breakfast nook with its own balcony plus a half bath for guests. On the 3rd floor, the private master suite is a true retreat with its own oceanfront balcony & en suite bath. All tile flooring throughout makes maintenance a breeze. Enjoy gated beach access, a community pool, & clubhouse. Currently operating as a successful STR this property is ideal a primary home or vacation retreat.

Cost to own

Mortgage calculator

Home Price

$985,000

Down Payment: 20%

$197,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$5,007

Principal & Interest: $5,007

Est. Taxes & Insurance: $1,252

Estimated Total Monthly

$6,258

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$5,243

Property taxesest. at asking price, St. Johns County$1,311

HOAbilled monthly$1,424

Estimated total, before insurance$7,977/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

Year	Market value	Taxable value	Change
2025	$804,650	$753,587	—
2024	$719,876	$685,079	—
2023	$719,876	$622,799	—
2022	$645,050	$566,181	—
2021	$514,710	$514,710	—
2020	$514,710	$475,475	—

2024 property taxes (current owner): $10,710/yr

Estimated taxes if purchased at asking price: ~$15,700/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: Shingle — year not disclosed (home built 1982)

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

Sewer & public water · St Johns County Utilities

County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,729 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

Price & status history

Jun 23, 2025Listed$985,000

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

Features

Price$985,000

Price / Sq Ft$616

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage1,600

Year Built1982

TypeResidential

Sub-TypeCondominium

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Community Information

Address890 A1A Beach Boulevard 39, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionSea Winds

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Parcel Number1725311204

Amenities

AmenitiesPool, Clubhouse, Spa/Hot Tub

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage

ViewBeach, Ocean

Waterfront TypeOcean Front

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Primary Bathroom - Tub with Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

# of Stories3

LevelsThree Or More

LaundryIn Unit, Lower Level

SecuritySecurity Gate

Spa FeaturesIn Ground, Community

Exterior

Exterior FeaturesBalcony

Lot DescriptionOther

Patio / PorchFront Porch, Rear Porch

RoofShingle

Additional Information

Date ListedJune 23, 2025

Days on Market386

HOA Fees$1,423.52 / Monthly

HOA FrequencyMonthly

Tax Amount$10,710

Tax Year2024

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

The neighborhood

About Sea Winds

Sea Winds is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32080.

View all Sea Winds homes for sale →

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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