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This home is in Vilano Beach, St. Augustine.

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Active

Active·238 days on market·Vilano Beach

504 Twenty-Third Street

St. Augustine, FL 32084

$709,900$447/sqftEst. $3,932/moMLS# 2130946
↓ $10,000 below original list
3
Beds
2
Baths
1,588
Sq Ft
1988
Built
2
Garage
No
Pool

6 more homes for sale in Vilano Beach →Search Vilano Beach on the map

FEMA Zone AENo HOA9,583 sqft lotSingle Family Residence1 story

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About this home

Vilano Beach

Wow! Beautiful Renovated Home in North Beach. 3 Bedrooms and 2 Baths and 1588 Sq.Ft. Stunning Brand New Kitchen with 42'' White Shaker Cabinets, Featuring Soft Close Doors & Drawers, Quartz Counter Tops & New Stainless Steel Appliance Package with Wine Cooler Included and a backsplash that adds a touch of Elegance. . All New Bathrooms w/ Gorgeous Tile New Vanities & Fixtures. All New LVP throughout with Tile in the Bathrooms. Brand New Impact Resistant Windows ! Fresh Paint Inside and Out. New Deck in Back for Relaxing with your morning coffee or Entertaining ! Brand New Metal Roof for peace of mind. The Entire Underneath of the Home has been Spray foam Insulated. Oversized 2 Car Garage ! Just Completed a Brand New Paver Driveway and Walkway! Walking Distance to just finished North Beach Beachfront Park and a few more steps and your at the Vilano Beach. Home is Professionally Staged. Some of the Photo's of the grass have been enhanced. Move in Ready !

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,932
Property taxesest. at asking price, St. Johns County$945
Estimated total, before insurance$4,877/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,605/yr · $634/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$709,900
$141,980
Loan Term
Monthly Payment
$3,932
Principal & Interest: $3,932
Property taxes (est.): $945
Insurance (est.): $473
Estimated Total Monthly
$5,350
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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: Metal — year not disclosed (home built 1988)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,731 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$585,185$496,402—
2024$576,425$451,275—
2023$545,893$410,250—
2022$478,156$372,955—
2021$339,050$339,050—
2020$335,484$327,925—

2025 property taxes (current owner): $7,605/yr

Estimated taxes if purchased at asking price: ~$11,300/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.

History

Price & status history

  • Oct 15, 2026Price change$709,900−$5,000
  • Oct 1, 2026Price change$714,900−$5,000
  • Jul 13, 2026Active$719,900
  • Feb 19, 2026Listed$719,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $419/sq ft; this home is listed at $447/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
501 Twenty-First Street, St. Augustine, FL 32084Listed by MAXREV, LLCJul 2026$520,000$4193/21,240540.1
609 Twenty Second Street, St. Augustine, FL 32084Listed by LINWARD REALTY, LLCMay 2026$1,100,000$6114/3.51,800120.1
225 Twentieth Street, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$862,500$4534/21,903870.2
349 Village Drive, St. Augustine, FL 32084Listed by RE/MAX UNLIMITEDJun 2026$420,000$2483/21,693360.2
408 Nineteenth Street, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLCOct 2025$650,000$3603/21,8041110.2
404 Fourteenth Street, St. Augustine, FL 32084Listed by THE NEWCOMER GROUPSep 2026$712,500$4063/2.51,7531340.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$709,900
Price / Sq Ft$447
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,588
Acres0.22 acres
Year Built1988
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address504 Twenty-Third Street, St. Augustine, FL 32084
Area266-Vilano Beach
SubdivisionPacetti North Beach
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size9,583.2 sq ft
Parcel Number1461960020

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Wine Cooler
HeatingCentral
CoolingCentral Air
FlooringLaminate, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesImpact Windows
Patio / PorchDeck
FencingChain Link, Privacy
RoofMetal

Additional Information

Date ListedFebruary 19, 2026
Days on Market238
Tax Amount$7,604.77
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: 1 REALTY CORP

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Vilano Beach

Vilano Beach is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Vilano Beach homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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