This home is in St. Augustine.

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Active

Active·205 days on market

8 Park Avenue

St. Augustine, FL 32084

$965,000$677/sqftEst. $5,136/moMLS# 2122424

Beds

Baths

1,426

Sq Ft

1926

Built

—

Garage

Pool

About this home

St. Augustine

Charming 3-bedroom, 2-bathroom main house PLUS separate cottage, located in the desirable Fullerwood District in downtown St. Augustine. The main house is 1,426 square feet, beautifully updated, with two primary bedrooms both with en-suite bathrooms, hardwood flooring, updated kitchen and a cozy fireplace. Situated on a large double lot, 100ft x 175ft, there is plenty of room for outdoor entertaining! The separate guest cottage/ADU includes its own living space, kitchenette, and bathroom—perfect for visitors, a private office, or additional rental income. Zoned for nightly rentals, this home is perfect for investors or those seeking a flexible living arrangement. Currently used as a vacation rental, and being sold fully furnished, jump right into this great investment! Enjoy the convenience of being just moments from downtown St. Augustine's historic charm, shopping, dining, and attractions. Don't miss this unique opportunity!

Cost to own

Mortgage calculator

Home Price

$965,000

Down Payment: 20%

$193,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,905

Principal & Interest: $4,905

Est. Taxes & Insurance: $1,226

Estimated Total Monthly

$6,131

*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$5,136

Property taxesest. at asking price, St. Johns County$1,284

Estimated total, before insurance$6,420/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

Last sold: $899,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$676,489	$676,489	—
2025	$207,541	$207,541	▲ $4,406
2024	$640,167	$640,167	—
2024	$203,555	$203,555	▲ $9,380
2023	$687,020	$687,020	—
2023	$199,032	$199,032	▲ $4,629
2022	$632,462	$461,684	—
2022	$189,680	$189,680	—
2021	$419,713	$419,713	—
2021	$138,896	$138,896	—
2020	$256,150	$256,150	—
2020	$129,212	$129,212	—

2025 property taxes (current owner): $13,076/yr

Estimated taxes if purchased at asking price: ~$15,400/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: material not specified — year not disclosed (home built 1926)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,050 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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