This home is in St. Augustine.

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Active

Active·249 days on market

540 Florida Club Boulevard 305

St. Augustine, FL 32084

$184,000$221/sqftEst. $938/moMLS# 2118466

Beds

Baths

832

Sq Ft

2001

Built

—

Garage

Pool

About this home

St. Augustine

Gorgeous 1 bedroom/1 bath unit that was recently updated! This must see condo has the following updates; faux wood LVP flooring throughout, new faucets, new stainless appliance package, new white kitchen cabinetry, beautiful quartz countertops, new window treatments, new paint, new toilet, updated walk-in shower, and new bath vanity. The well maintained Florida Club community is close to Vilano Beach, the outlets, I-95, and historic downtown! Community features include; community pool, clubhouse, billiards room, exercise center, pickleball, and is located next to a county golf course. Could be a great starter home, second home, or very profitable rental property. This one wont last long, schedule a showing today!!!

Cost to own

Mortgage calculator

Home Price

$184,000

Down Payment: 20%

$36,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$938

Principal & Interest: $938

Property taxes (est.): $245

Insurance (est.): $123

Estimated Total Monthly

$1,306

*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$938

Property taxesest. at asking price, St. Johns County$245

HOAbilled monthly$227

Estimated total, before insurance$1,410/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,078/yr · $173/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	$155,000	$152,516	—
2024	$182,500	$138,651	—
2023	$160,360	$126,046	—
2022	$125,000	$114,587	—
2021	$108,900	$104,170	—
2020	$94,700	$94,700	—

2025 property taxes (current owner): $2,078/yr

Estimated taxes if purchased at asking price: ~$2,900/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Tile — year not disclosed (home built 2001)

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

Likely sewer · utiity sewer proximity · Public water · utiity water proximity

County records indicate this parcel on central sewer served by utiity sewer proximity — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

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

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

Nov 18, 2025Listed$184,000

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

Features

Price$184,000

Price / Sq Ft$221

Bedrooms1

Bathrooms1.00

Full Baths1

Square Footage832

Year Built2001

TypeResidential

Sub-TypeCondominium

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address540 Florida Club Boulevard 305, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionFlorida Club Condo

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Parcel Number0893254305

ZoningCondominium

Amenities

AmenitiesPool, Basketball Court, Car Wash Area, Clubhouse, Fitness Center, Golf Course, Maintenance Grounds, Management- On Site, Pickleball, Playground, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOff Street, Unassigned