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This home is in St. Augustine.

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Active

Active·196 days on market

173 Riberia Street B

St. Augustine, FL 32084

$314,999$606/sqftEst. $1,618/moMLS# 2129032

Beds

Baths

520

Sq Ft

1925

Built

—

Garage

Pool

About this home

St. Augustine

Charming 2-Bedroom Home in Historic Downtown St. Augustine Step into the perfect blend of historic charm and modern convenience with this delightful 2-bedroom, 1-bath home in the heart of downtown St. Augustine. Nestled in Lincolnville surrounded by timeless beauty this home places you in the center of the city's rich history and vibrant culture. Relax on front porch, perfect for sipping morning coffee or unwinding in the evening while enjoying the warm Florida breeze. Inside, the home offers a comfortable layout with plenty of space to personalize and make your own. Located just steps from boutique shops, cozy cafés, top-rated restaurants, and iconic historic landmarks, every day feels like a vacation. Whether strolling the historic streets, taking in waterfront views, or exploring the local art and dining scene, this home offers a lifestyle unlike any other. Updated photos coming soon!

Cost to own

Mortgage calculator

Home Price

$314,999

Down Payment: 20%

$63,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,618

Principal & Interest: $1,618

Property taxes (est.): $419

Insurance (est.): $210

Estimated Total Monthly

$2,247

*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$1,618

Property taxesest. at asking price, St. Johns County$419

Estimated total, before insurance$2,037/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	$180,155	$0	—
2024	$176,875	$0	—
2023	$160,258	$0	—
2022	$138,708	$0	—
2021	$97,896	$0	—
2020	$78,228	$0	—

2025 property taxes (current owner): $58/yr

Estimated taxes if purchased at asking price: ~$5,000/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: material not specified — year not disclosed (home built 1925)

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

Likely septic

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: ~1,396 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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