This home is in Surfside, St. Augustine Beach.

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Active

Active·145 days on market·Surfside

2 10th Street 6

St. Augustine Beach, FL 32080

$1,199,000$1057/sqftEst. $6,382/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: 6.49%

Loan Term

Monthly Payment

$6,056

Principal & Interest: $6,056

Est. Taxes & Insurance: $1,514

Estimated Total Monthly

$7,571

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$6,382

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

HOAbilled quarterly$565

Estimated total, before insurance$8,542/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: $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

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