This home is in Summerhouse, St. Augustine.

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Active Under Contract

Active Under Contract·164 days on market·Summerhouse

8550 A1A #123 12223

St. Augustine, FL 32080

$479,000$450/sqftEst. $2,549/moMLS# 2128096

Beds

Baths

1,064

Sq Ft

1980

Built

—

Garage

Pool

About this home

Summerhouse

Welcome to this beautifully remodeled townhome in the highly sought-after Summerhouse community. Inside, you'll find a stylishly upgraded kitchen, updated bathrooms, and a bright, open layout designed for comfort and relaxation. Step out onto your private balcony and enjoy peaceful views of the pool and the ocean—perfect for morning coffee or evening unwinding. Ideal as a second home or vacation rental, this property offers both convenience and coastal charm. Summerhouse delivers true resort-style living with 4 heated pools, 4 private beach walkovers, a fitness center, playground, tennis, pickleball, racquetball and basketball courts, RV/boat storage, a car wash station, on-site rental office, and a gated entry with security. Whether you're looking for a personal coastal retreat or a strong investment opportunity, this Summerhouse townhome checks all the boxes.

Cost to own

Mortgage calculator

Home Price

$479,000

Down Payment: 20%

$95,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,435

Principal & Interest: $2,435

Est. Taxes & Insurance: $609

Estimated Total Monthly

$3,043

*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$2,549

Property taxesest. at asking price, St. Johns County$637

HOAbilled monthly$710

Estimated total, before insurance$3,897/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	$438,000	$438,000	—
2024	$495,000	$404,624	—
2023	$515,220	$367,840	—
2022	$365,000	$334,400	—
2021	$304,000	$304,000	—
2020	$290,000	$290,000	—

2025 property taxes (current owner): $5,924/yr

Estimated taxes if purchased at asking price: ~$7,600/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 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1980)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,618 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

Price & status history

Feb 2, 2026Listed$479,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$479,000

Price / Sq Ft$450

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,064

Year Built1980

TypeResidential

Sub-TypeCondominium

StyleOther

StatusActive Under Contract

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Community Information

Address8550 A1A #123 12223, St. Augustine, FL 32080

Area332-Crescent Beach/Summer Haven

SubdivisionSummerhouse

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Parcel Number1865312223

Amenities

AmenitiesPool, Basketball Court, Beach Access, Cable TV, Car Wash Area, Children's Pool, Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management- On Site, Pickleball, Playground, RV/Boat Storage, Tennis Court(s), Trash, Water

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Guest

ViewBeach

Waterfront TypeOcean Access