Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Surfside, St. Augustine Beach — an oceanfront home in Northeast Florida.

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Active

Active·190 days on market·Surfside

2 10th Street 6

St. Augustine Beach, FL 32080

$1,199,000$1057/sqftEst. $6,164/moMLS# 2131276

Beds

Baths

1,134

Sq Ft

1985

Built

—

Garage

Pool

About this home

Surfside

Waking up on the Top Floor Corner Unit to serene waves & amazing panoramic views of the Atlantic Ocean in this fully remodeled, turnkey retreat on St. Augustine Beach. Perfectly positioned just steps from the Ocean, rest., bars, music, galleries, & iconic St. Augustine Beach Pier & Amphitheater. This property is the ultimate coastal lifestyle & exceptional investment opportunity making it perfect for anyone. This stunning 2-bed, 2.5-bath, Top 1% Airbnb performer, delivering strong Return On Investment potential and consistent rental demand. Enjoy seamless indoor-outdoor living with a balcony off the living room & private balcony retreat from the primary suite-perfectly positioned to soak in the Ocean breeze, sunrise views & full moon viewing. This home blends modern coastal elegance w/effortless maintenance. Expansive Oceanfront windows, true ''million-dollar view,'' flooding the living spaces w/an unobstructed shoreline scenery is a rare find in this Surfside Six intimate property.

Cost to own

Mortgage calculator

Home Price

$1,199,000

Down Payment: 20%

$239,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$6,164

Principal & Interest: $6,164

Property taxes (est.): $1,595

Insurance (est.): $799

Estimated Total Monthly

$8,559

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$6,164

Property taxesest. at asking price, St. Johns County$1,595

HOAbilled quarterly$565

Estimated total, before insurance$8,325/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,004/yr · $917/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

Last sold: $875,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$679,000	$679,000	—
2024	$725,000	$725,000	—
2023	$535,345	$143,969	—
2022	$442,800	$138,319	—
2021	$385,000	$132,834	—
2020	$385,000	$130,310	—

2025 property taxes (current owner): $11,004/yr

Estimated taxes if purchased at asking price: ~$19,100/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1985)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,721 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