This home is in Nelmar Terrace, St. Augustine.

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Active·176 days on market·Nelmar Terrace

4 Nelmar Avenue

St. Augustine, FL 32084

$599,900$417/sqftEst. $3,193/moMLS# 2126127

Beds

Baths

1,440

Sq Ft

1973

Built

Garage

Pool

About this home

Nelmar Terrace

OPEN HOUSE 7/11 2:30-4:30 7/12 12:30-2:30 WELCOME HOME! Beautifully updated & renovated home in highly desirable Nelmar Terrace, never flooded! This move-in-ready property features bright, sun-filled living spaces & brand-new LVP flooring throughout.The chef-inspired kitchen opens to living & dining areas & offers abundant counter & cabinet space along w/ new stainless-steel appliances. Currently operating as an Airbnb, the home provides excellent flexibility for personal use or investment. Oversized owner's suite includes spacious sitting area, ideal for home office or gym. Bathrooms have been recently renovated & feature large, step-in showers. A generous guest bedroom is conveniently located w/ the updated 2nd bath across the hall. Notable upgrades include a NEW ROOF (6/26/25) w/ transferable 5-year warranty, updated electric service w/ buried lines, & an interior laundry area. A hard-to-find extra-large detached 2-car garage w/ its own sub-panel adds valuable storage & wor

Cost to own

Mortgage calculator

Home Price

$599,900

Down Payment: 20%

$119,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,049

Principal & Interest: $3,049

Est. Taxes & Insurance: $762

Estimated Total Monthly

$3,812

*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$3,193

Property taxesest. at asking price, St. Johns County$798

Estimated total, before insurance$3,991/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	$370,306	$370,306	—
2025	$276,924	$69,307	—
2024	$363,020	$363,020	—
2024	$309,741	$66,506	▲ $53,254
2023	$362,416	$340,383	—
2023	$264,249	$62,967	—
2022	$309,439	$309,439	—
2022	$254,858	$64,532	—
2021	$197,886	$197,886	—
2021	$193,049	$61,197	—
2020	$194,399	$194,399	—
2020	$181,239	$59,662	▲ $9,746

2025 property taxes (current owner): $1,777/yr

Estimated taxes if purchased at asking price: ~$9,600/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 1973)

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: ~1,367 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