This home is in St. Augustine.

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Active

Active·328 days on market

118 Twine Street

St. Augustine, FL 32084

$389,000$477/sqftEst. $2,070/moMLS# 2105212

Beds

Baths

816

Sq Ft

1986

Built

—

Garage

Pool

About this home

St. Augustine

Welcome to this beautifully updated 3 bedroom, 1 bath single-family home in the heart of historic Lincolnville. Since the owners purchased in 2021, there has been no water intrusion! Offering 832 square feet of thoughtfully designed living space, this property blends modern upgrades with downtown St. Augustine charm. Step inside to a bright and open kitchen featuring granite countertops, a modest island, and plenty of storage—perfect for everyday living and entertaining. The updated bathroom includes a soaking tub, stylish tile, and a matching granite vanity, giving it a fresh, spa-like feel. Comfort is a priority with a 1-year-old AC unit and a tankless hot water heater for efficiency and peace of mind. The large, partially fenced backyard is ideal for outdoor gatherings, pets, or creating your own private retreat.

Cost to own

Mortgage calculator

Home Price

$389,000

Down Payment: 20%

$77,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,977

Principal & Interest: $1,977

Est. Taxes & Insurance: $494

Estimated Total Monthly

$2,472

*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$2,070

Property taxesest. at asking price, St. Johns County$518

Estimated total, before insurance$2,588/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	$362,947	$362,947	—
2024	$374,808	$370,606	—
2023	$355,919	$336,915	—
2022	$306,286	$306,286	—
2021	$236,258	$214,214	—
2020	$194,740	$194,740	—

2024 property taxes (current owner): $7,023/yr

Estimated taxes if purchased at asking price: ~$6,200/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 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: Tile — year not disclosed (home built 1986)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

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

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