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Active

Active·394 days on market

0 Oleander Street

St. Augustine Beach, FL 32080

$229,999Est. $1,173/moMLS# 2095652

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

St. Augustine Beach

It's no secret—land on Anastasia Island is scarce, and opportunities like this don't come around often. This vacant lot offers a rare chance to build your custom dream home in one of St. Augustine's most sought-after coastal communities. Imagine designing a space that fits your lifestyle perfectly—whether it's a beachy bungalow, modern coastal retreat, or an investment property that stands out. With no builder tie-in, you have the freedom to bring your own vision to life from the ground up. Located just minutes from the white sandy beaches of the Atlantic and a bike ride away from the St. Augustine Amphitheater and the weekly farmers market, this lot is perfectly positioned to enjoy all that island life has to offer. You'll also be close to the charm of historic downtown St. Augustine, top-rated St. Johns County schools, including RB Hunt, and endless local dining, shopping, and outdoor adventures.

Cost to own

Mortgage calculator

Home Price

$229,999

Down Payment: 20%

$46,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,173

Principal & Interest: $1,173

Property taxes (est.): $306

Insurance (est.): $153

Estimated Total Monthly

$1,632

*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$1,173

Property taxesest. at asking price, St. Johns County$306

Estimated total, before insurance$1,479/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,054/yr · $171/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $210,000 in September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$163,000	$163,000	—
2024	$163,000	$163,000	—
2023	$163,000	$163,000	—
2022	$145,600	$145,600	—

2024 property taxes (current owner): $2,054/yr

Estimated taxes if purchased at asking price: ~$3,700/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

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

Solar potential: ~1,682 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