This home is in St. Augustine.

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Pending

Pending·177 days on market

2898 N 10th Street

St. Augustine, FL 32084

$265,000$221/sqftEst. $1,410/moMLS# 2126072

Beds

Baths

1,200

Sq Ft

2000

Built

Garage

Pool

About this home

St. Augustine

Welcome to this well-maintained 3-bedroom, 2-bath home offering a smart, functional layout and a generous backyard—perfect for both relaxing and entertaining. The spacious living room features vaulted ceilings and flows seamlessly into the dining and kitchen areas, highlighted by ample breakfast bar seating and counter space. The Master Bedroom includes an ensuite bath and walk in closet. Recent updates include stylish flooring, refinished countertops, and a designer backsplash. Enjoy added privacy and peace of mind with a fully fenced yard, all situated on a quiet road. Ideally located just minutes from historic downtown St. Augustine, with its one-of-a-kind restaurants and shopping, and convenient access to schools and I-95—this home delivers both comfort and convenience.

Cost to own

Mortgage calculator

Home Price

$265,000

Down Payment: 20%

$53,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,347

Principal & Interest: $1,347

Est. Taxes & Insurance: $337

Estimated Total Monthly

$1,684

*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$1,410

Property taxesest. at asking price, St. Johns County$353

HOAbilled monthly$10

Estimated total, before insurance$1,773/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	$215,030	$215,030	—
2024	$200,679	$200,679	—
2023	$198,179	$198,179	—
2022	$213,518	$193,356	—
2021	$192,548	$175,778	—
2020	$177,332	$159,798	—

Estimated taxes if purchased at asking price: ~$4,200/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2000)

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

Solar potential: ~1,796 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.