This home is in San Salito, St. Augustine.

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Active

Active·78 days on market·San Salito

43 Cody Street

St. Augustine, FL 32084

$355,000$208/sqftEst. $1,889/moMLS# 2115172

Beds

Baths

1,705

Sq Ft

2019

Built

Garage

Pool

About this home

San Salito

Beautifully maintained 4-bedroom, 2-bath home! This home offers a split bedroom floor plan with spacious bedrooms and an open, modern design. The chef's kitchen is a true highlight—featuring stainless steel appliances, ample counter space, and a view of the large great room and separate dining area, perfect for entertaining or family gatherings. Enjoy peaceful views as the property backs up to a natural preserve, offering privacy and tranquility. Prime location! Just minutes from downtown St. Augustine, beautiful beaches, and convenient interstate access—you'll be close to everything! Additional perks include no CDD fees and access to a community pool and clubhouse. Move-in ready and ideally located—this home truly has it all!

Cost to own

Mortgage calculator

Home Price

$355,000

Down Payment: 20%

$71,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,804

Principal & Interest: $1,804

Est. Taxes & Insurance: $451

Estimated Total Monthly

$2,256

*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$1,889

Property taxesest. at asking price, St. Johns County$472

HOAbilled quarterly$68

Estimated total, before insurance$2,430/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

Last sold: $376,500 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$318,162	$318,162	—
2024	$324,641	$324,641	—
2023	$310,058	$310,058	—
2022	$280,160	$214,383	—
2021	$194,894	$194,894	—
2020	$196,379	$145,879	—

Estimated taxes if purchased at asking price: ~$5,700/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 X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,774 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