This home is in North Beach, St. Augustine.

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Active

Active·82 days on market·North Beach

402 3rd Street

St. Augustine, FL 32084

$799,900$446/sqftEst. $4,257/moMLS# 2131977

Beds

Baths

1,794

Sq Ft

1976

Built

Garage

Pool

About this home

North Beach

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: 6.49%

Loan Term

Monthly Payment

$4,041

Principal & Interest: $4,041

Est. Taxes & Insurance: $1,010

Estimated Total Monthly

$5,051

*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$4,257

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

Estimated total, before insurance$5,322/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: $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.

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: 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

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