Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St. Augustine — a waterfront home in St. Johns County.

1 / 5

Active

Active·157 days on market

199 Nix Boat Yard Road

St. Augustine, FL 32084

$2,450,000Est. $12,583/moMLS# 2135329

Beds

Baths

Sq Ft

—

Built

—

Garage

Pool

About this home

St. Augustine

Positioned in the heart of one of Northeast Florida's most dynamic coastal growth corridors, this 1.9-acre flex commercial parcel within the Cat's Paw Marina PUD presents a rare opportunity to develop in a rapidly transforming marine-centric environment. With approvals already in place, this site offers a streamlined path to development--ideal for office, mixed-use, commercial, or marine light industrial applications. Whether envisioning a boutique waterfront office concept, marine service facility, or a hybrid live-work destination, the flexibility of zoning paired with the location creates exceptional upside. The surrounding area is rapidly transforming, anchored by a new Toll Brothers luxury residential community and a $24M waterfront public park, already being hailed as one of the finest in Florida. This dynamic blend of upscale living, destination recreation, and marine infrastructure positions the property as a standout investment with immediate potential and long-term upside.

Cost to own

Mortgage calculator

Home Price

$2,450,000

Down Payment: 20%

$490,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$12,583

Principal & Interest: $12,583

Property taxes (est.): $3,260

Insurance (est.): $1,633

Estimated Total Monthly

$17,476

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$12,583

Property taxesest. at asking price, St. Johns County$3,260

Estimated total, before insurance$15,843/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.

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: material not specified

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

Likely septic · Private well (public 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: ~1,649 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 August 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