This home is in St. Augustine.

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Active

Active·155 days on market

8580 Palmo Fish Camp Road G

St. Augustine, FL 32092

$625,000$386/sqftEst. $3,327/moMLS# 2128974

Beds

Baths

1,620

Sq Ft

1999

Built

Garage

Pool

About this home

St. Augustine

Turnkey St Johns River lifestyle home and income producing asset! Welcome to a life defined by water, freedom, and unforgettable views along the St. Johns River. This isn't just a home--it's a daily escape into the kind of Florida living most people only experience on vacation. Wake up to peaceful, north-facing river views and end your evenings with glowing sunsets reflecting across the water. Inside, the 3-bedroom, 2-bath layout is warm, inviting, and intentionally designed to create a balance of comfort, connection, and quiet retreat. Step outside and your lifestyle truly begins. Your private dock and boathouse--complete with a covered slip and electric lift--make it effortless to get out on the water at a moment's notice. Spend your days cruising to nearby waterfront restaurants, exploring marinas, fishing at sunrise, or simply drifting along with the breeze .Some photos are AI generated to show what the space can look like.

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,177

Principal & Interest: $3,177

Est. Taxes & Insurance: $794

Estimated Total Monthly

$3,971

*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$3,327

Property taxesest. at asking price, St. Johns County$832

Estimated total, before insurance$4,158/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

Last sold: $600,000 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$531,014	$531,014	—
2024	$581,648	$577,199	—
2023	$524,726	$524,726	—
2022	$547,475	$95,749	—
2021	$352,862	$91,489	—
2020	$310,816	$89,529	—

2025 property taxes (current owner): $7,486/yr

Estimated taxes if purchased at asking price: ~$10,000/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: Metal — year not disclosed (home built 1999)

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

Septic system (public record) · Private well (public record)

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).

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 11, 2026Listed$625,000

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

Features

Price$625,000

Price / Sq Ft$386

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,620

Acres0.48 acres

Year Built1999

TypeResidential

Sub-TypeManufactured Home

StyleOther

StatusActive

# of Garages2

# of Carport Spaces2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address8580 Palmo Fish Camp Road G, St. Augustine, FL 32092

Area303-Palmo/Six Mile Area

SubdivisionPalmo

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size20,908.8 sq ft

Parcel Number0143200000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingDetached Carport, Garage

ViewRiver

Waterfront TypeRiver Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingHeat Pump

CoolingCentral Air

FlooringVinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)