This home is in St. Augustine.

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Active

Active·188 days on market

6170 A1A S 108

St. Augustine, FL 32080

$635,000$449/sqftEst. $3,238/moMLS# 2125435

Beds

Baths

1,415

Sq Ft

1986

Built

—

Garage

Pool

About this home

St. Augustine

Wake up to the sound of the ocean and step straight out to beachfront living from this first-floor, oceanfront 2-bedroom, 2-bath condo in St. Augustine. New Water Heater, HVAC, Windows, Electrical panel, Repiped, new Washer/Dryer and newer carpet. Located just steps from the sand, this unit offers the rare convenience of no stairs or elevators, making beach days, morning walks, and sunset views effortless. Inside, you'll find a well maintained interior equipped with all appliances, wet bar, and a wine fridge. The open living area flows naturally to the outdoor space, perfect for relaxing after a day at the beach. Both bedrooms are generously sized, and the layout offers privacy and functionality for full-time living, a second home, or a coastal getaway. Unit 108 is also steps from the pool, club house, fitness center, and mailbox. Gated community and gated beach access.

Cost to own

Mortgage calculator

Home Price

$635,000

Down Payment: 20%

$127,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,238

Principal & Interest: $3,238

Property taxes (est.): $845

Insurance (est.): $423

Estimated Total Monthly

$4,506

*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$3,238

Property taxesest. at asking price, St. Johns County$845

HOAbilled monthly$1,619

Estimated total, before insurance$5,702/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,545/yr · $462/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

Last sold: $625,000 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$410,000	$410,000	—
2024	$523,980	$523,980	—
2023	$534,583	$534,583	—
2022	$390,320	$390,320	—
2021	$336,200	$189,802	—
2020	$298,480	$186,491	—

2025 property taxes (current owner): $5,545/yr

Estimated taxes if purchased at asking price: ~$10,100/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.

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 1986)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,786 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

Jan 16, 2026Listed$635,000

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

Features

Price$635,000

Price / Sq Ft$449

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,415

Year Built1986

TypeResidential

Sub-TypeCondominium

StatusActive

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryW. D. Hartley

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address6170 A1A S 108, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionAtlantic East

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Parcel Number1829300108

Amenities

AmenitiesPool, Beach Access, Clubhouse, Elevator(s), Fitness Center, Gated, Maintenance Grounds, Pickleball, Storage, Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Gated

ViewBeach, Ocean, Pool

Waterfront TypeOcean Access, Ocean Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsThree Or More

LaundryIn Unit

SecurityClosed Circuit Camera(s), Firewall(s)