This home is in St. Augustine.

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Active

Active·126 days on market

420 S Villa San Marco Drive 304

St. Augustine, FL 32086

$170,000$157/sqftEst. $867/moMLS# 2136090

Beds

Baths

1,085

Sq Ft

2004

Built

—

Garage

Pool

About this home

St. Augustine

Relax in this well-kept 2-bedroom, 2-bath condo at Villa San Marco. The open layout with a smart split floor plan gives you plenty of space to relax or entertain. You'll love the private enclosed balcony -- perfect for morning coffee or unwinding with friends. Low HOA fees cover water, sewer, and garbage, so you can focus on what matters most. Plus, you're just minutes from shopping, dining, historic Downtown St. Augustine, and the beach. Villa San Marco offers so many great amenities - clubhouse, pool, gym, walking trail, putting green, playground, car wash area, and picnic spots. Whether you're looking for a laid-back retreat or a friendly community feel, this place checks all the boxes. It's time for you to live that Salty Lifestyle!

Cost to own

Mortgage calculator

Home Price

$170,000

Down Payment: 20%

$34,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$867

Principal & Interest: $867

Property taxes (est.): $226

Insurance (est.): $113

Estimated Total Monthly

$1,206

*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$867

Property taxesest. at asking price, St. Johns County$226

HOAbilled monthly$293

Estimated total, before insurance$1,385/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,380/yr · $198/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

Year	Market value	Taxable value	Change
2025	$181,000	$171,665	—
2024	$191,000	$156,059	—
2023	$189,255	$141,872	—
2022	$138,000	$128,975	—
2021	$117,250	$117,250	—
2020	$115,000	$110,724	—

2025 property taxes (current owner): $2,380/yr

Estimated taxes if purchased at asking price: ~$2,700/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: Shingle — year not disclosed (home built 2004)

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: ~1,800 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 21, 2026Listed$170,000

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

Features

Price$170,000

Price / Sq Ft$157

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,085

Year Built2004

TypeResidential

Sub-TypeCondominium

StyleOther

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address420 S Villa San Marco Drive 304, St. Augustine, FL 32086

Area337-Old Moultrie Rd/Wildwood

SubdivisionVilla San Marco

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Parcel Number1016500734

Amenities

AmenitiesPool, Car Wash Area, Clubhouse, Fitness Center, Maintenance Grounds

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingParking Lot, Unassigned

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Screened

RoofShingle

ConstructionStucco

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedMarch 21, 2026

Days on Market70

HOA Fees$292.5 / Monthly

HOA FrequencyMonthly

HOA Fee IncludesSewer, Trash, Water

Tax Amount$2,380.36

Tax Year2025

Listing TermsCash, Conventional, FHA

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: FLORIDA COASTAL JACKSONVILLE

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Realtor

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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