This home is in Nelmar Terrace, St. Augustine.

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Active·286 days on market·Nelmar Terrace

29 Nelmar Avenue

St. Augustine, FL 32084

$850,000$317/sqftEst. $4,524/moMLS# 2111729

Beds

Baths

2,683

Sq Ft

1966

Built

—

Garage

Pool

About this home

Nelmar Terrace

Motivated seller is ready to work with qualified buyers to make this home yours! Rare North City Opportunity - Historic Nelmar Terrace Gem - A truly special home right in the heart of North City's beloved Nelmar Terrace District--one of St. Augustine's most sought-after historic neighborhoods. Set beneath a canopy of centuries-old oaks on a .30-acre lot, this gracious 4-bedroom, 2.5-bath home (three bedrooms upstairs, one downstairs) blends classic charm with modern comfort. The kitchen feels fresh with newer cabinets and flooring, and a spacious utility room adds everyday convenience. The large family room with its old-style fireplace exudes warmth, while the generous dining room easily accommodates gatherings--perfect for entertaining family and friends.

Cost to own

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,320

Principal & Interest: $4,320

Est. Taxes & Insurance: $1,080

Estimated Total Monthly

$5,401

*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$4,524

Property taxesest. at asking price, St. Johns County$1,131

Estimated total, before insurance$5,655/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	$565,159	$565,159	—
2024	$544,871	$305,456	—
2023	$542,744	$295,103	—
2022	$484,948	$285,051	—
2021	$325,292	$275,292	—
2020	$326,682	$276,682	—

2023 property taxes (current owner): $5,913/yr

Estimated taxes if purchased at asking price: ~$13,600/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 1966)

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).

Solar potential: ~1,671 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