This home is in St. Augustine.

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Active Under Contract

Active Under Contract·174 days on market

361 Orchis Road

St. Augustine, FL 32086

$419,900$300/sqftEst. $2,235/moMLS# 2126494

Beds

Baths

1,400

Sq Ft

1983

Built

Garage

Pool

About this home

St. Augustine

*New Septic, Roof, HVAC, Updated Plumbing & Electrical* Step inside to discover an open floor plan that seamlessly connects the living, dining, and kitchen areas, enhanced by high ceilings that create a sense of space and light. The third bedroom is versatile, making it an ideal office or den for remote work or leisure. The modern kitchen is a chef's delight, featuring stainless steel appliances, wine cooler, and ample storage, perfect for family gatherings or entertaining friends Retreat to the generously-sized master suite, complete with a private en-suite bathroom and a walk-in closet. Bathrooms are both beautifully tiled and feature dual sinks and designer choice vanities and fixtures. Step outside to your private backyard oasis, ideal for summer barbecues and outdoor relaxation. Enjoy the convenience of nearby parks, boat ramps, and shopping, making this home an unbeatable choice with NO HOA!!!

Cost to own

Mortgage calculator

Home Price

$419,900

Down Payment: 20%

$83,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,121

Principal & Interest: $2,121

Est. Taxes & Insurance: $530

Estimated Total Monthly

$2,651

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$2,235

Property taxesest. at asking price, St. Johns County$559

Estimated total, before insurance$2,794/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	$242,327	$228,842	—
2024	$239,563	$208,038	—
2023	$243,084	$189,125	—
2022	$221,297	$171,932	—
2021	$156,302	$156,302	—
2020	$152,281	$152,281	—

2025 property taxes (current owner): $3,530/yr

Estimated taxes if purchased at asking price: ~$6,700/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1983)

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

Likely septic · Public water · St Johns County Utilities - water accounts

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: ~1,784 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