This home is in Segovia, St. Augustine.

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Active

Active·162 days on market·Segovia

191 Adelanto Avenue

St. Augustine, FL 32092

$305,000$186/sqftEst. $1,555/moMLS# 2130143

Beds

Baths

1,643

Sq Ft

2015

Built

Garage

Pool

About this home

Segovia

BRAND-NEW ROOF and updated facade!! Welcome to life reimagined in Segovia, a charming enclave within the sought-after World Golf Village area: where timeless style meets modern upgrades in all the right ways! This two-car garage townhome is a thoughtfully curated space designed to elevate everyday living. Step inside and feel the calm: a soft, soothing color palette, elegant tray ceilings, and a true split floor plan that offers privacy without sacrificing flow. The living room is wired with surround sound, transforming ordinary evenings into cinematic experiences. The kitchen is a showpiece where gorgeous marble countertops take center stage, complemented by a matching table that ties the entire space together in a way that feels intentional and elevated.

Cost to own

Mortgage calculator

Home Price

$305,000

Down Payment: 20%

$61,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,555

Principal & Interest: $1,555

Property taxes (est.): $406

Insurance (est.): $203

Estimated Total Monthly

$2,164

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,555

Property taxesest. at asking price, St. Johns County$406

HOAbilled monthly$250

Estimated total, before insurance$2,211/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,273/yr · $356/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$270,403	$219,681	—
2024	$271,227	$221,227	—
2023	$280,805	$214,873	—
2022	$257,158	$207,158	—
2021	$194,408	$194,408	—
2020	$183,123	$183,123	—

2025 property taxes (current owner): $4,273/yr

Estimated taxes if purchased at asking price: ~$4,900/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2015)

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

Solar potential: ~1,745 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

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

Price & status history

Feb 13, 2026Listed$305,000

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

Features

Price$305,000

Price / Sq Ft$186

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,643

Total Structure Area2,116 sq ft

Acres0.06 acres

Year Built2015

TypeResidential

Sub-TypeTownhouse

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouthwest

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address191 Adelanto Avenue, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionSegovia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size2,613.6 sq ft

Lot Dimensions~20' x ~126'

Parcel Number0281910210

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Maintenance Grounds, Maintenance Structure, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingCovered, Garage, Garage Door Opener, Guest, Off Street

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)