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This home is in Nelmar Terrace, St. Augustine — a home near St. Augustine High School.

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Active

Active·188 days on market·Nelmar Terrace

6 E San Carlos Avenue

St. Augustine, FL 32084

$747,000$429/sqftEst. $3,840/moMLS# 2131492

Beds

Baths

1,740

Sq Ft

1950

Built

Garage

Pool

About this home

Nelmar Terrace

Two homes, one property--minutes to Historic district and beach. This North City/Uptown gem offers a charming 2BR/2BA main residence plus a separate 2BR/1BA apartment above the garage for true flexibility. The main house showcases original hardwood floors, a brick wood-burning fireplace, and a flowing plan with a front sitting/sun room, living room, dining area, office/flex room, and an all-season room. The updated kitchen features new cabinetry, counters, and appliances; lighting and doors have been refreshed throughout. Each bedroom functions as an owner suite, and both open directly to decks overlooking the newly fully fenced backyard under grand live oaks and Spanish moss--perfect for morning coffee, evening wine, or weekend gatherings. This property is ideal for multigenerational living, guest quarters, a home office, or generating potential income as a short-term or long-term rental.

Cost to own

Mortgage calculator

Home Price

$747,000

Down Payment: 20%

$149,400

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,840

Principal & Interest: $3,840

Property taxes (est.): $994

Insurance (est.): $498

Estimated Total Monthly

$5,332

*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$3,840

Property taxesest. at asking price, St. Johns County$994

Estimated total, before insurance$4,834/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$8,551/yr · $713/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

Year	Market value	Taxable value	Change
2025	$466,357	$466,357	—
2025	$241,468	$56,352	—
2024	$445,282	$445,282	—
2024	$225,507	$54,057	▲ $12,269
2023	$528,646	$517,921	—
2023	$201,221	$51,027	▲ $11,585
2022	$470,837	$470,837	—
2022	$182,714	$48,085	—
2021	$243,169	$226,744	—
2021	$156,119	$45,229	▲ $15,052
2020	$237,964	$206,131	—
2020	$137,045	$43,915	▲ $5,000

2024 property taxes (current owner): $8,551/yr

Estimated taxes if purchased at asking price: ~$11,900/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 1950)

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

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: ~1,583 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