This home is in St. Augustine.

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Active

Active·143 days on market

260 Old Village Center Circle 8210

St. Augustine, FL 32084

$195,000$197/sqftEst. $994/moMLS# 2133147

Beds

Baths

990

Sq Ft

2007

Built

—

Garage

Pool

About this home

St. Augustine

Welcome home to Old Town Villages, one of St. Augustine's most vibrant and sought-after communities--where neighbors become friends and every day feels like a retreat. This beautifully maintained 2-bedroom, 2-bath second-floor condo offers breathtaking lake views and a serene atmosphere you'll love coming home to. Start your mornings or unwind in the evenings on the screened-in porch overlooking the water--your own private escape surrounded by nature. Inside, you'll find a thoughtfully designed split floorplan with two spacious, sun-filled bedrooms, each featuring its own en-suite bathroom for comfort and privacy. The home has been meticulously cared for and showcases a stylish kitchen with stainless steel appliances and thoughtful upgrades, plus a convenient laundry room with additional storage just off the kitchen.

Cost to own

Mortgage calculator

Home Price

$195,000

Down Payment: 20%

$39,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$994

Principal & Interest: $994

Property taxes (est.): $260

Insurance (est.): $130

Estimated Total Monthly

$1,384

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$994

Property taxesest. at asking price, St. Johns County$259

HOAbilled monthly$388

Estimated total, before insurance$1,642/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$168,000	$0	—
2024	$185,500	$0	—
2023	$174,840	$0	—
2022	$129,000	$0	—
2021	$104,000	$0	—
2020	$96,000	$96,000	—

2025 property taxes (current owner): $335/yr

Estimated taxes if purchased at asking price: ~$3,100/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2007)

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

Likely sewer · utiity sewer proximity · Public water · utiity water proximity

County records indicate this parcel on central sewer served by utiity sewer proximity — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,786 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

Price & status history

Mar 4, 2026Listed$195,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$195,000

Price / Sq Ft$197

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage990

Year Built2007

TypeResidential

Sub-TypeCondominium

StatusActive

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address260 Old Village Center Circle 8210, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionOld Town Villages

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Parcel Number0878918210

Amenities

AmenitiesPool, Basketball Court, Cable TV, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Pickleball, Playground, RV/Boat Storage, Tennis Court(s), Trash

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingParking Lot

ViewPond