This home is in St. Augustine.

1 / 21

Active

Active·294 days on market

6300 A1A S B31TH

St. Augustine, FL 32080

$485,000$318/sqftEst. $2,473/moMLS# 2111531

Beds

Baths

1,525

Sq Ft

1974

Built

—

Garage

Pool

About this home

St. Augustine

Great investment opportunity, vacation home, or primary residence! This beautifully appointed 3 bedroom, 2.5 bath condo comes fully furnished and offers the ultimate coastal lifestyle. Step inside to find a spacious, open layout designed for comfort and entertaining. The fully equipped kitchen provides everything you need for family meals or hosting guests. Bedrooms are generously sized, with the primary suite featuring its own private balcony overlooking the pool and a private bath for added comfort. Being sold turn-key furnished, this condo is ready for immediate enjoyment or rental income. Located along Crescent Beach, one of Northeast Florida's most pristine stretches of shoreline, you'll have easy beach access and the perfect blend of relaxation and recreation. Whether you're looking for a smart investment, a family getaway, or a full-time coastal retreat, this property delivers on all fronts. Schedule your private showing today and exp

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,473

Principal & Interest: $2,473

Property taxes (est.): $645

Insurance (est.): $323

Estimated Total Monthly

$3,442

*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$2,473

Property taxesest. at asking price, St. Johns County$645

HOAbilled monthly$732

Estimated total, before insurance$3,850/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,261/yr · $438/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: $500,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$402,500	$402,500	—
2024	$417,500	$417,500	—
2023	$367,270	$251,075	—
2022	$256,500	$228,250	—
2021	$207,500	$207,500	—
2020	$207,500	$207,500	—

2024 property taxes (current owner): $5,261/yr

Estimated taxes if purchased at asking price: ~$7,700/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 — year not disclosed (home built 1974)

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: ~1,709 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