This home is in Pacetti North Beach, St. Augustine.

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Active

Active·151 days on market·Pacetti North Beach

303 Fourteenth Street

St. Augustine, FL 32084

$845,000$435/sqftEst. $4,497/moMLS# 2130257

Beds

Baths

1,942

Sq Ft

1994

Built

Garage

Pool

About this home

Pacetti North Beach

Welcome to 303 Fourteenth Street, a 3-bedroom, 3-bathroom home in St. Augustine's North Beach area, located just one block from Vilano Beach and minutes from historic downtown St. Augustine. Built in 1994 and offering 1,942 square feet, the home features en suite bathrooms in all three bedrooms, a 2-car attached garage, and a 100' x 100' lot, providing flexibility for full-time living or a coastal getaway. Natural light fills the main living area, where the living, dining, and kitchen spaces connect seamlessly for comfortable daily living and entertaining. The well-maintained interior offers an easy flow throughout the home, creating a practical layout that supports both relaxation and hosting. The design balances open gathering spaces with private bedroom retreats, making the home adaptable to a variety of needs.

Cost to own

Mortgage calculator

Home Price

$845,000

Down Payment: 20%

$169,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,295

Principal & Interest: $4,295

Est. Taxes & Insurance: $1,074

Estimated Total Monthly

$5,369

*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$4,497

Property taxesest. at asking price, St. Johns County$1,124

Estimated total, before insurance$5,622/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

Year	Market value	Taxable value	Change
2025	$552,024	$181,110	—
2024	$543,894	$175,298	—
2023	$516,786	$168,736	—
2022	$454,802	$162,365	—
2021	$328,770	$156,180	—
2020	$325,820	$153,333	—

2025 property taxes (current owner): $2,945/yr

Estimated taxes if purchased at asking price: ~$13,500/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: Shingle — year not disclosed (home built 1994)

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: ~1,819 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

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 15, 2026Listed$845,000

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

Features

Price$845,000

Price / Sq Ft$435

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,942

Acres0.22 acres

Year Built1994

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address303 Fourteenth Street, St. Augustine, FL 32084

Area266-Vilano Beach

SubdivisionPacetti North Beach

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size9,583.2 sq ft

Lot Dimensions100x100

Parcel Number1459750010

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer/Dryer Stacked

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit, Sink