Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Villages Of Vilano, St. Augustine — a gated community home in St. Johns County.

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Active

Active·286 days on market·Villages Of Vilano

101 Ocean Hollow Lane

St. Augustine, FL 32084

$479,000$308/sqftEst. $2,465/moMLS# 2115920

Beds

Baths

1,553

Sq Ft

1988

Built

Garage

Pool

About this home

Villages Of Vilano

Wake up to the sound of the ocean in this beachside gem just steps from the Atlantic Ocean! This single family home offers 2 BR, 2 BA, and 2 car garage, making it the perfect coastal retreat for full-time residents, or an investment opportunity. Inside, the home is ready for your personal touch and updates - an ideal canvas to create your dream beach home exactly the way you envision it. Fenced in backyard provides privacy and space for entertaining, pets, or simply relaxing. The amenities are truly exceptional and designed for a resort style lifestyle - enjoy private beach access via a private walkover, indoor heated pool, hot tub, dry sauna, locker rooms, and fitness center. Outdoors find an additional pool, a Marina with boat launch, and convenient boat and RV storage lot - perfect for those who love life on the water. Whether you're looking for a weekend getaway or a full-time coastal lifestyle, this property offers unbeatable location incredible amenities and endless potential

Cost to own

Mortgage calculator

Home Price

$479,000

Down Payment: 20%

$95,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,465

Principal & Interest: $2,465

Property taxes (est.): $637

Insurance (est.): $319

Estimated Total Monthly

$3,422

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,465

Property taxesest. at asking price, St. Johns County$637

HOAbilled monthly$372

Estimated total, before insurance$3,474/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,299/yr · $192/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	$365,948	$365,948	—
2024	$371,666	$151,794	—
2023	$351,487	$145,771	—
2022	$339,292	$144,423	—
2021	$232,718	$138,746	—
2020	$234,714	$136,133	—

2024 property taxes (current owner): $2,299/yr

Estimated taxes if purchased at asking price: ~$7,600/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 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: Shingle — year not disclosed (home built 1988)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,790 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

Price & status history

Jul 23, 2026Active$479,000
Jul 12, 2026Active Under Contract$479,000
Oct 31, 2025Listed$479,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$479,000

Price / Sq Ft$308

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,553

Acres0.12 acres

Year Built1988

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesNortheast

Community Information

Address101 Ocean Hollow Lane, St. Augustine, FL 32084

Area266-Vilano Beach

SubdivisionVillages Of Vilano

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size5,227.2 sq ft

Parcel Number1423710010

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Beach Access, Boat Launch, Clubhouse, Fitness Center, Gated, Management - Off Site, Pickleball, RV/Boat Storage, Sauna, Security, Shuffleboard Court, Spa/Hot Tub, Storage, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit

Window FeaturesSkylight(s)

SecurityGated with Guard, Smoke Detector(s)