This home is in Vilano Beach, St. Augustine — a home near St. Augustine High School.
Active·311 days on market·Vilano Beach
409 Seventeenth Street
St. Augustine, FL 32084
6 more homes for sale in Vilano Beach →Search Vilano Beach on the map
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About this home
Vilano Beach
Located in one of Vilano Beach's most sought-after pockets, this updated coastal retreat offers a strong blend of comfort, design, and income potential. The home has been thoughtfully improved with a new HVAC compressor and return unit, new sump pump, Hardie board siding, paver driveway and walkways, updated landscaping, outdoor shower, electric pool heater, new pool pump and filter, new front door, outdoor lighting, and refreshed kitchen appliances. Inside, the en suite bath has been tastefully updated, and the home comes fully furnished. A private pool, plantation shutters, and a generous lot elevate the experience. Currently an active short-term rental with consistent annual returns for the past four years, while also serving as a personal getaway for the owners. Less than three miles to Historic Downtown St. Augustine and walking distance to the beach.
Next steps in Vilano Beach
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 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 1976)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,543 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $534,552 | $534,552 | — |
| 2024 | $514,638 | $514,638 | — |
| 2023 | $493,290 | $484,607 | — |
| 2022 | $440,552 | $440,552 | — |
| 2021 | $340,669 | $289,142 | — |
| 2020 | $340,590 | $284,460 | — |
2025 property taxes (current owner): $7,564/yr
Estimated taxes if purchased at asking price: ~$12,800/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
- Dec 8, 2025Listed$800,000
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 $453/sq ft; this home is listed at $545/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 408 Nineteenth Street, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2025 | $650,000 | $360 | 3/2 | 1,804 | 111 | 0.1 |
| 225 Twentieth Street, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $862,500 | $453 | 4/2 | 1,903 | 87 | 0.2 |
| 404 Fourteenth Street, St. Augustine, FL 32084Listed by THE NEWCOMER GROUP | Sep 2026 | $712,500 | $406 | 3/2.5 | 1,753 | 134 | 0.2 |
| 501 Twenty-First Street, St. Augustine, FL 32084Listed by MAXREV, LLC | Jul 2026 | $520,000 | $419 | 3/2 | 1,240 | 54 | 0.2 |
| 302 12th Street, St. Augustine, FL 32084Listed by SUNCOAST PROPERTY MANAGEMENT LLC | Jun 2026 | $806,000 | $496 | 4/3 | 1,624 | 115 | 0.3 |
| 609 Twenty Second Street, St. Augustine, FL 32084Listed by LINWARD REALTY, LLC | May 2026 | $1,100,000 | $611 | 4/3.5 | 1,800 | 12 | 0.3 |
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: COLDWELL BANKER VANGUARD REALTY
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.
The neighborhood
About Vilano Beach
Vilano Beach is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Vilano Beach homes for sale →Keep looking
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines