1 / 23

Active

Active·278 days on market

1900 State Road 16

St. Augustine, FL 32084

$5,974,000Est. $30,460/moMLS# 2114333

Beds

Baths

Sq Ft

—

Built

—

Garage

Pool

About this home

St. Augustine

412 Feet of Frontage per each 3.5 acre parcel or 823.5 Frontage for both (per tax roll). This is directly on State Road 16 which is the Main Road in and out of Old St. Augustine, Fl. . On last review there were only two other larger parcels available in the area. One had 200 ft and the other 225 feet of Frontage on 16. Please note that the 1900 and the 1910 (Listing # 2114353) SR 16 listings are the same parcel of land with different approaches as to how it is marketed and developed. To be clear there are two engineer generated site plans in the works for this site depending on the developers vision and needs. Virtually all of SR 16 has become a High Demand/High Development Area. The vast majority of sites available two years ago are now in some phase of development. 3 of the 4 new housing projects in the area have recently come directly to 16 (please see pics regarding these developments). The upscale Tapestry located just to the West

Cost to own

Mortgage calculator

Home Price

$5,974,000

Down Payment: 20%

$1,194,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$30,460

Principal & Interest: $30,460

Property taxes (est.): $7,949

Insurance (est.): $3,983

Estimated Total Monthly

$42,392

*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$30,460

Property taxesest. at asking price, St. Johns County$7,949

Estimated total, before insurance$38,409/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$11,105/yr · $925/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

Year	Market value	Taxable value	Change
2025	$1,179,621	$655,288	▼ $279,656
2025	$89,219	$76,043	—
2024	$1,277,429	$595,716	—
2024	$82,202	$69,130	—
2023	$1,116,532	$541,560	—
2023	$80,718	$62,846	▲ $7,643
2022	$492,327	$492,327	—
2022	$69,954	$57,133	—
2021	$496,667	$496,667	—
2021	$47,599	$47,599	—
2020	$502,091	$502,091	—
2020	$46,094	$15,378	—

2024 property taxes (current owner): $11,105/yr

Estimated taxes if purchased at asking price: ~$95,400/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 A — 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified

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

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,683 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