This home is in St. Augustine.
Active·251 days on market
203 Pacifica Vista Way
St. Augustine, FL 32080
About this home
St. Augustine
Wake up to ocean air, palm trees, and the rhythm of coastal living at Ocean Gallery, one of Anastasia Island's most SOUGHT AFTER oceanfront communities. This beautifully furnished second-floor Vista condominium offers the rare combination of lifestyle, flexibility, and income potential in a truly resort-style setting. Designed for easy living, the open and airy floor plan flows seamlessly from the kitchen through the dining and living areas, filled with natural light and coastal charm. Tile flooring throughout enhances durability and effortless upkeep, while soft coastal décor creates a relaxed, welcoming atmosphere. Sliding glass doors lead to a private balcony overlooking a tranquil pond with a VIEW of the OCEAN - the perfect place to enjoy morning coffee, sea breezes, or an evening unwind after a day at the beach. The spacious primary suite also enjoys abundant natural light, offering a peaceful retreat at the end of the day. A thoughtfully designed split-bedroom layout
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $604,656 | $604,656 | — |
| 2024 | $641,784 | $603,277 | — |
| 2023 | $578,115 | $548,434 | — |
| 2022 | $498,576 | $498,576 | — |
| 2021 | $424,320 | $322,395 | — |
| 2020 | $347,942 | $347,942 | — |
2025 property taxes (current owner): $8,423/yr
Estimated taxes if purchased at asking price: ~$10,600/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 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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Tile — year not disclosed (home built 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · Public water (record)
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,831 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 homeAs 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 16, 2026Price change$665,000−$30,000
- Nov 14, 2025Listed$695,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines