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Active

Active·278 days on market

1910 State Road 16

St. Augustine, FL 32084

$2,200,000Est. $11,217/moMLS# 2114353

Beds

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Sq Ft

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Built

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Garage

Pool

About this home

St. Augustine

272 Foot Frontage for this 2.75 ac parcel on the East side of driveway. This parcel has 2.1 ac fronting SR 16 and would have roughly a .65 ac proportionate share in the retention pond. This is directly on SR 16 which is the Main commercial highway in and out of Old St. Augustine, Fl. . The 1900 Site W of drive is 3.3 acres with approx 412 feet fronting 16 plus roughly a .8 ac share in the retention pond (totaling 4.1 acres). Please note that the 1900 (listing # 2114333) & this 1910 SR 16 listings are both part of the same 8.3 ac parcel but with different approaches as to how it is subdivided & marketed.. To be clear there are two engineer generated site plans for this site depending on the developers vision and needs. Approx 5 acres of the 8.3 acres are wet. Owners are in the process of getting the permits required to impact the wetlands. Owners will consider paying a portion of the impact fees depending on contract price.

Cost to own

Mortgage calculator

Home Price

$2,200,000

Down Payment: 20%

$440,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$11,217

Principal & Interest: $11,217

Property taxes (est.): $2,927

Insurance (est.): $1,467

Estimated Total Monthly

$15,611

*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$11,217

Property taxesest. at asking price, St. Johns County$2,927

Estimated total, before insurance$14,145/mo

Seller’s 2025 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	—

2025 property taxes (current owner): $11,105/yr

Estimated taxes if purchased at asking price: ~$35,100/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