This home is in Treasure Beach, St. Augustine.
Active Under Contract·148 days on market·Treasure Beach
225 Pizarro Road
St. Augustine, FL 32080
About this home
Treasure Beach
PRICED BELOW CURRENT APPRAISED VALUE! BOAT FROM YOUR BACKYARD!! EMBRACE ISLAND LIFE on a canalfront home minutes from the Atlantic Ocean w/ private boathouse, direct Intracoastal access & deeded entry to the white sandy St. Augustine beaches! This 100% solar-powered concrete w/stucco 3BR split plan, 2.5BA + sunny bonus room includes a backup battery and has been freshly painted inside & out. The 2014 renovation created an open concept with gas fireplace, hardwood & tile floors, skylights, and a large plant shelf in the great room. The gourmet kitchen features a center island, granite tops, soft-close pullouts, a custom 9x8 pantry with lower pull-out shelving, and a six-burner Viking gas stove with griddle. The custom primary bath offers tall granite counters and a walk-in glass shower with dual heads and ceiling rain feature. Relax in the 15x44 screened lanai with a fire table that seats 8. Boathouse w/lift, floating dock w/kayak launch, metal roof (2014) & 10 parking spaces. MUST SEE
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $654,595 | $253,366 | — |
| 2024 | $644,978 | $245,377 | — |
| 2023 | $618,289 | $236,628 | — |
| 2022 | $614,256 | $233,134 | — |
| 2021 | $421,312 | $224,887 | — |
| 2020 | $391,559 | $221,092 | — |
2025 property taxes (current owner): $3,922/yr
Estimated taxes if purchased at asking price: ~$12,800/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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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: Metal — 2014 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,798 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 homeInformational 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
Price & status history
- Feb 18, 2026Listed$799,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Treasure Beach
Treasure Beach is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32080.
View all Treasure Beach homes for sale →Listing Courtesy of: CENTURY 21 BECKHAM REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Treasure Beach
Active$730,000MLS# 2126906Est. $3,885/mo254 Basque Road, St. Augustine, FL 320803 Beds2 Baths1,760 sqftWelcome to this beautifully updated and fully furnished 3-bedroom, 2-bath canal-front home in Treasure Beach, where…
ResidentialLIGHTHOUSE REALTY ASSOCIATES
Active$925,000MLS# 2143493Est. $4,923/mo5900 Costanero Road, St. Augustine, FL 320803 Beds3 Baths2,833 sqftSteps from Butler Beach, tucked against a protected state preserve, this 3-bedroom, 3.5-bath St. Augustine home pairs…
ResidentialFIV REALTY CO FLORIDA LLC
Active$1,250,000MLS# 2153565Est. $6,653/mo5961 A1A S, St. Augustine, FL 320800 Beds0 Baths4,320 sqftExceptional mixed-use investment opportunity on Anastasia Island, offering a rare combination of immediate cash flow,…
Residential IncomeTHE NEWCOMER GROUP
Keep looking
Similar homes in St. Augustine
Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines