This home is in Davis Shores, St. Augustine.
Active·144 days on market·Davis Shores
204 Gerado Street 3
St. Augustine, FL 32080
About this home
Davis Shores
Discover the charm of this peaceful coastal retreat just moments from the heart of St. Augustine.** Ideally located near your favorite restaurants, the iconic Bridge of Lions, and the Historic District, this home offers the perfect blend of vibrant city access and private sanctuary living. This beautifully maintained 2-bedroom, 2.5-bath patio home welcomes you with soaring vaulted ceilings, elegant wood-look tile flooring, and a built-in bar that adds both character and functionality -- ideal for entertaining. Thoughtfully remodeled in 2016 and featuring a new roof in 2020, the home reflects pride of ownership throughout. The well-designed split floor plan offers privacy and comfort, while the open living and dining areas create a seamless flow for gatherings with family and friends. Embracing its desirable coastal location, the owner made a significant $60,000 investment in a professionally engineered flood protection wall that surrounds the property.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $328,400 | $141,808 | — |
| 2024 | $305,160 | $136,963 | — |
| 2023 | $305,160 | $131,372 | — |
| 2022 | $255,000 | $130,444 | — |
| 2021 | $224,000 | $125,174 | — |
| 2020 | $224,000 | $122,749 | — |
2025 property taxes (current owner): $3,039/yr
Estimated taxes if purchased at asking price: ~$7,600/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 — 2020 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)
County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,792 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 homeInformational 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 22, 2026Listed$479,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Davis Shores
Davis Shores is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32080.
View all Davis Shores homes for sale →Listing Courtesy of: SEABREEZE REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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