This home is in Pacetti North Beach, St. Augustine.

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Active

Active·220 days on market·Pacetti North Beach

409 Seventeenth Street

St. Augustine, FL 32084

$800,000$545/sqftEst. $4,258/moMLS# 2120784

Beds

Baths

1,468

Sq Ft

1976

Built

Garage

Yes

Pool

About this home

Pacetti North 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.

Cost to own

Mortgage calculator

Home Price

$800,000

Down Payment: 20%

$160,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,066

Principal & Interest: $4,066

Est. Taxes & Insurance: $1,017

Estimated Total Monthly

$5,083

*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$4,258

Property taxesest. at asking price, St. Johns County$1,065

Estimated total, before insurance$5,322/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	$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.

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 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

Price & status history

Dec 8, 2025Listed$800,000

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

Features

Price$800,000

Price / Sq Ft$545

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,468

Acres0.22 acres

Year Built1976

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Fenced

Is WaterfrontNo

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address409 Seventeenth Street, St. Augustine, FL 32084

Area266-Vilano Beach

SubdivisionPacetti North Beach

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size9,583.2 sq ft

Parcel Number1460200090

Amenities

UtilitiesCable Connected, Electricity Available, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingGarage, Garage Door Opener, On Street

ViewPool, Other

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Downstairs, Smart Thermostat, Walk-In Closet(s), Other

AppliancesDishwasher, Dryer, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Garage, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)