This home is in St Augustine South, St. Augustine.

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Active

Active·124 days on market·St Augustine South

2406 Shore Drive

St. Augustine, FL 32086

$1,450,000$376/sqftEst. $7,718/moMLS# 2134993

Beds

Baths

3,857

Sq Ft

1956

Built

Garage

Pool

About this home

St Augustine South

Welcome to 2406 Shore Drive, where a meandering road hugs the Matanzas River and leads you to an elegant waterfront retreat. Set on an elevated corner lot, this custom home captures sweeping panoramic river views and the relaxed charm of St. Augustine living. Originally built in 1956 and beautifully reimagined 2023, the 4-bedroom, 4-bath residence offers approximately 4,000 sq ft of thoughtfully designed living space filled with natural light and stunning water vistas from the open main living areas. Comfort and craftsmanship blend seamlessly throughout, creating a home designed for gathering and it presents itself beautifully for MULTI GENERATIONAL LIVING. A breezeway connects to a four-car garage topped with a fully equipped, spacious studio apartment--ideal for guests, extended family, or additional income. STR eligible, this property presents a rare opportunity for both personal enjoyment and investment potential, all just minutes from historic downtown St. Augustin

Cost to own

Mortgage calculator

Home Price

$1,450,000

Down Payment: 20%

$290,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$7,370

Principal & Interest: $7,370

Est. Taxes & Insurance: $1,843

Estimated Total Monthly

$9,213

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$7,718

Property taxesest. at asking price, St. Johns County$1,929

Estimated total, before insurance$9,647/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

Year	Market value	Taxable value	Change
2025	$529,945	$465,540	—
2024	$524,209	$423,218	—
2023	$469,010	$384,744	—
2022	$483,048	$349,767	—
2021	$318,156	$317,970	—
2020	$289,064	$289,064	—

2025 property taxes (current owner): $7,093/yr

Estimated taxes if purchased at asking price: ~$23,200/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Metal — year not disclosed (home built 1956)

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

Septic system (public record) · Public water · St Johns County Utilities - water accounts

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: ~1,613 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

Price & status history

Mar 14, 2026Listed$1,450,000

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

Features

Price$1,450,000

Price / Sq Ft$376

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,857

Total Structure Area3,857 sq ft

Acres0.26 acres

Year Built1956

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages4

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Direction FacesNorth

School Information

MiddleSebastian

HighSt. Augustine

Community Information

Address2406 Shore Drive, St. Augustine, FL 32086

Area335-St Augustine South

SubdivisionSt Augustine South

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size11,325.6 sq ft

Lot DimensionsAsym.

Parcel Number2317700000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Available, Water Available

SewerSeptic Tank

Water SourcePublic

ParkingCircular Driveway, Garage

ViewBridge(s), Intracoastal, Protected Preserve, River, Trees/Woods

Waterfront TypeIntracoastal, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric, Hot Water

CoolingCentral Air, Electric, Split System, Varies by Unit, Zoned

FlooringLaminate, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security Lights, Smoke Detector(s)