This home is in Ravenswood Village, St. Augustine.

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Active Under Contract

Active Under Contract·92 days on market·Ravenswood Village

98 Vidalia Ridge Road

St. Augustine, FL 32084

$210,000$189/sqftEst. $1,118/moMLS# 2129883

Beds

Baths

1,109

Sq Ft

2023

Built

—

Garage

Pool

About this home

Ravenswood Village

Short Sale - Subject to lender approval. Well-maintained 2-bedroom, 2.5-bath townhome built in 2023 located in Ravenswood Village. This two-story property offers an open-concept main living area, spacious bedrooms, and a private patio.

Cost to own

Mortgage calculator

Home Price

$210,000

Down Payment: 20%

$42,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,067

Principal & Interest: $1,067

Est. Taxes & Insurance: $267

Estimated Total Monthly

$1,334

*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$1,118

Property taxesest. at asking price, St. Johns County$279

HOAbilled quarterly$108

Estimated total, before insurance$1,506/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: $2,242,800 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$191,909	$76,734	—
2024	$40,000	$40,000	—

2025 property taxes (current owner): $1,199/yr

Estimated taxes if purchased at asking price: ~$3,400/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 C

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

Roof: material not specified — year not disclosed (home built 2023)

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

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