This home is in St. Augustine.

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Active

Active·128 days on market

245 Old Village Center Circle 7309

St. Augustine, FL 32084

$190,000$192/sqftEst. $969/moMLS# 2135707

Beds

Baths

990

Sq Ft

2007

Built

—

Garage

Pool

About this home

St. Augustine

Seller is offering a $1,000 credit that the Buyer can use toward flooring, down payment, or other eligible closing expenses. 1% LENDER CREDIT ALSO BEING OFFERED THAT BUYER CAN USE TOWARDS A RATE BUY DOWN OR DEPOSIT! Welcome to this beautifully updated and spacious top floor condo, thoughtfully designed for comfort and convenience. Freshly painted throughout and featuring vaulted ceilings, this condo has an updated kitchen complete with a new sink, faucet, garbage disposal, and the added bonus of a pantry for extra storage. Both bathrooms have been refreshed with new faucets and updated cabinetry, while the oversized primary suite offers a peaceful retreat with direct access to the balcony, perfect for enjoying your morning coffee or evening unwind. The primary bathroom includes a large tub/shower combo for added comfort with a walk in closet. The split floorplan provides ideal privacy, with a generously sized secondary bedroom that functions as a private ensuite, also

Cost to own

Mortgage calculator

Home Price

$190,000

Down Payment: 20%

$38,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$969

Principal & Interest: $969

Property taxes (est.): $253

Insurance (est.): $127

Estimated Total Monthly

$1,348

*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$969

Property taxesest. at asking price, St. Johns County$253

HOAbilled monthly$402

Estimated total, before insurance$1,624/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,674/yr · $140/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: $199,000 in June 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$162,600	$111,878	—
2024	$179,225	$133,499	—
2023	$169,098	$121,363	—
2022	$124,550	$110,330	—
2021	$100,300	$100,300	—
2020	$92,700	$92,700	—

2025 property taxes (current owner): $1,674/yr

Estimated taxes if purchased at asking price: ~$3,000/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: ~1,794 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 19, 2026Listed$190,000

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

Features

Price$190,000

Price / Sq Ft$192

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage990

Year Built2007

TypeResidential

Sub-TypeCondominium

StatusActive

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address245 Old Village Center Circle 7309, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionOld Town Villages

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Parcel Number0878917309

Amenities

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

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGated, Guest, Secured