This home is in St. Augustine.

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Active

Active·244 days on market

125 Rio Del Mar Street A

St. Augustine, FL 32080

$239,900$273/sqftEst. $1,277/moMLS# 2117473

Beds

Baths

880

Sq Ft

1983

Built

—

Garage

Pool

About this home

St. Augustine

Live the beach lifestyle without the beachfront price tag! This fully furnished, charming 2-bedroom, 1-bath condo is perfectly located just off A1A in St. Augustine, less than three-quarters of a mile from the ocean. Enjoy easy access to sandy shores, restaurants, and local attractions—all while tucked away in a quiet community. The single-story layout makes living easy, and you'll appreciate two dedicated parking spaces right outside your door. Ideal as a primary home, vacation getaway, or short-term rental, this property offers incredible flexibility and value! Come see why so many are trading snow shovels for flip-flops!

Cost to own

Mortgage calculator

Home Price

$239,900

Down Payment: 20%

$47,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,219

Principal & Interest: $1,219

Est. Taxes & Insurance: $305

Estimated Total Monthly

$1,524

*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$1,277

Property taxesest. at asking price, St. Johns County$319

HOAbilled monthly$225

Estimated total, before insurance$1,821/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	$224,000	$224,000	—
2024	$179,000	$174,240	—
2023	$193,068	$158,400	—
2022	$144,000	$144,000	—
2021	$132,500	$132,000	—
2020	$120,000	$120,000	—

2024 property taxes (current owner): $2,475/yr

Estimated taxes if purchased at asking price: ~$3,800/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: material not specified — year not disclosed (home built 1983)

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

Solar potential: ~1,818 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