This home is in Treasure Beach, St. Augustine.

1 / 66

Active

Active·171 days on market·Treasure Beach

254 Basque Road

St. Augustine, FL 32080

$730,000$415/sqftEst. $3,885/moMLS# 2126906

Beds

Baths

1,760

Sq Ft

2002

Built

Garage

Pool

About this home

Treasure Beach

Welcome to this beautifully updated and fully furnished 3-bedroom, 2-bath canal-front home in Treasure Beach, where relaxed waterfront living meets modern comfort. This Turn-Key Vacation Rental property is the ideal investment home OR serene getaway as a second home OR your own full-time coastal residence. Step inside to find fresh new flooring and paint throughout, creating a bright, clean, and move-in-ready feel. The primary suite is a true retreat, featuring a spa-like bathroom with a stand-alone soaking tub, a spacious walk-in shower, and a large walk-in closet. Two additional bedrooms offer flexibility for guests, family, or a home office. Unwind year-round in the large 10' x 22' Florida room - the perfect space to enjoy peaceful canal views. The Florida Room could easily be added to the air-conditioned space for more room to spread out. The private backyard features sub-tropical landscaping complete with deck overlooking the canal to enoy both the sunrises or sunsets.

Cost to own

Mortgage calculator

Home Price

$730,000

Down Payment: 20%

$146,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,711

Principal & Interest: $3,711

Est. Taxes & Insurance: $928

Estimated Total Monthly

$4,638

*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$3,885

Property taxesest. at asking price, St. Johns County$971

Estimated total, before insurance$4,857/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	$540,708	$540,708	—
2024	$533,788	$533,788	—
2023	$509,026	$509,026	—
2022	$481,829	$481,829	—
2021	$332,044	$150,376	—
2020	$308,227	$147,609	—

Estimated taxes if purchased at asking price: ~$11,700/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 — year not disclosed (home built 2002)

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

Septic system (public record) · 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: ~1,791 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