This home is in St. Augustine.

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Active

Active·154 days on market

3516 Evernia Street

St. Augustine, FL 32084

$339,000$342/sqftEst. $1,804/moMLS# 2129323

Beds

Baths

992

Sq Ft

2024

Built

—

Garage

Pool

About this home

St. Augustine

An entertainer's dream with quality construction to match! The massive fully fenced in backyard features a pressure-treated wood deck, firepit area, and covered bar/grilling space--perfect for hosting--plus professionally installed artificial turf (June 2025) for low-maintenance, year-round greenery. Gutters installed October 2025 add extra value. Inside, the Colour Homes 992 floor plan offers a bright, open layout with skylights and abundant natural light. Built with a durable metal roof, 2x6 framing, spray foam insulation, and low-maintenance siding for energy efficiency and peace of mind. Modern finishes include quartz countertops, wood soft-close cabinets, LVP flooring, tile baths, stainless appliances, and ceiling fans in every room. Upgrades include a subway tile backsplash (2025), upgraded hardware, faux wood blinds, sliding barn door, and Culligan whole-home water filtration system (2024).

Cost to own

Mortgage calculator

Home Price

$339,000

Down Payment: 20%

$67,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,723

Principal & Interest: $1,723

Est. Taxes & Insurance: $431

Estimated Total Monthly

$2,154

*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$1,804

Property taxesest. at asking price, St. Johns County$451

Estimated total, before insurance$2,255/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.

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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Metal — year not disclosed (home built 2024)

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

Likely septic · 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).

Solar potential: ~1,152 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

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