This home is in St. Augustine — a home near St. Augustine High School.
Active·341 days on market
3145 Coastal Hwy 1128
St. Augustine, FL 32084
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About this home
St. Augustine
Looking for the ideal vacation home, weekend escape, or beachside investment? This move-in ready 2-bedroom, 2.5-bath townhouse-style condo in Mariner's Watch at Vilano Beach offers a rare combination of comfort, convenience, and coastal lifestyle--just steps from the sand. Positioned directly across from the beach with easy access, this residence stands apart with a unique feature not found in other units--a convenient downstairs half bath, adding both functionality and value. Inside, you'll find a well-appointed kitchen with stainless steel appliances and a breakfast bar that opens seamlessly into the living space--perfect for entertaining or unwinding after a day by the ocean. Step outside and enjoy refreshing coastal breezes from not one, but two private decks, or relax on your ground-level paver patio--your own private retreat.
Next steps in St. Augustine
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — year not disclosed (home built 1975)
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. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,669 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach access
Nease Beachfront Parkabout 0.1 mi · 14 parking spaces
Closest park or preserve
Anastasia State Parkabout 3 mi · 0.7 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 1 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
Vilano Causeway Primitive Accessabout 2 mi · Hospital Creek
Closest youth league fields
Ketterlinus Gym Community Centerabout 2 mi · Basketball
Closest grocery store
Publixabout 0.6 mi · 55 Ava Way, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $298,000 | $245,604 | — |
| 2024 | $275,000 | $223,276 | — |
| 2023 | $279,000 | $202,978 | — |
| 2022 | $235,000 | $184,525 | — |
| 2021 | $170,000 | $167,750 | — |
| 2020 | $152,500 | $152,500 | — |
2025 property taxes (current owner): $3,658/yr
Estimated taxes if purchased at asking price: ~$5,800/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.
History
Price & status history
- Nov 20, 2025Listed$363,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $351/sq ft; this home is listed at $298/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3145 Coastal Highway 1154, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Mar 2026 | $305,000 | $250 | 2/2 | 1,222 | 37 | 0 |
| 2960 Coastal Highway 4B, St. Augustine, FL 32084Listed by ASSIST2SELL BUYERS & SELLERS REALTY | Jul 2026 | $690,000 | $560 | 2/2 | 1,232 | 10 | 0.3 |
| 110 Ocean Hollow Lane 318, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2025 | $461,000 | $351 | 3/2 | 1,313 | 3 | 0.9 |
| 110 Ocean Hollow Lane 118, St. Augustine, FL 32084Listed by EXIT 1 STOP REALTY | Oct 2026 | $409,000 | $312 | 3/2 | 1,313 | 109 | 1 |
| 110 Ocean Hollow Lane Lane 114, St. Augustine, FL 32084Listed by EXIT 1 STOP REALTY | Sep 2026 | $240,000 | $247 | 2/2 | 973 | 71 | 1 |
| 110 Ocean Hollow Lane 319, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $540,000 | $411 | 3/2 | 1,313 | 11 | 1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines