Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St. Augustine — a waterfront home in St. Johns County.

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Active

Active·43 days on market

0 County Road 13 N

St. Augustine, FL 32092

$1,800,000Est. $9,244/moMLS# 2126542

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

St. Augustine

Sportsmen, Boaters/Fisherman, Dirt Bikers & Four Wheeler Alert - Rare opportunity to own approximately 103 Acres of rural land in St. Johns County Florida with waterfront along Tocoi Cove. ~1,100 feet of frontage on both sides of County Road 13. The site has been established as a future rural development Audrey's Plantation, however, the entire 100+ acres could remain intact. Prime location away from the city, however, close enough to enjoy every day conveniences just a few miles away on 214 to I-95 & Old St Augustine. The site is zoned Non Agriculture & Marsh. Picture yourself watching riverside sunsets, hunting for game or enjoying the simple life from your backyard. This private location is paradise found.

Cost to own

Mortgage calculator

Home Price

$1,800,000

Down Payment: 20%

$360,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$9,244

Principal & Interest: $9,244

Property taxes (est.): $2,395

Insurance (est.): $1,200

Estimated Total Monthly

$12,839

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$9,244

Property taxesest. at asking price, St. Johns County$2,395

Estimated total, before insurance$11,639/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$7,055	$7,055	—
2024	$7,055	$7,055	—
2023	$7,055	$7,055	—
2022	$7,055	$7,055	—

Estimated taxes if purchased at asking price: ~$28,700/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 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: material not specified

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

Solar potential: ~1,681 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