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This home is in North Beach, St. Augustine.

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Active

Active·126 days on market·North Beach

402 3rd Street

St. Augustine, FL 32084

$799,900$446/sqftEst. $4,112/moMLS# 2131977

Beds

Baths

1,794

Sq Ft

1976

Built

Garage

Pool

About this home

North Beach

NEW ROOF! Turnkey, remodeled 4-bedroom beach bungalow located just blocks from both the Atlantic Ocean and the Tolomato River in the heart of Vilano Beach. Head two blocks east to the sandy shoreline, or two blocks west to the riverfront for breathtaking sunset views. This prime coastal location offers the best of both worlds -- beach days, river evenings, and easy access to Historic Downtown St. Augustine. Inside, the home blends playful charm with thoughtful design. The bright, open living spaces feature professionally styled interiors and a functional layout ideal for everyday living, entertaining, or hosting guests. Standout Features Include: • 4 spacious bedrooms (1 King, 3 Queen bedrooms) • Fully remodeled interior with fresh coastal aesthetic • Converted garage ''Green Room'' with indoor putting green, table tennis, arcade games, lounge space, and turf flooring • Screened-in back porch • Expansive backyard with tiki bar, hammock, fire pit, and hot tub.

Cost to own

Mortgage calculator

Home Price

$799,900

Down Payment: 20%

$159,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,112

Principal & Interest: $4,112

Property taxes (est.): $1,064

Insurance (est.): $533

Estimated Total Monthly

$5,710

*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$4,112

Property taxesest. at asking price, St. Johns County$1,064

Estimated total, before insurance$5,177/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,122/yr · $844/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: $830,000 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$779,599	$779,599	—
2024	$766,837	$766,837	—
2023	$723,145	$366,731	—
2022	$627,442	$353,137	—
2021	$477,750	$339,939	—
2020	$471,926	$333,865	—

2025 property taxes (current owner): $10,122/yr

Estimated taxes if purchased at asking price: ~$12,800/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 1976)

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. Municipal drinking water per the county inventory.

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

Solar potential: ~1,579 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