This home is in St. Augustine Beach.

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Active

Active·122 days on market

66 Village Del Lago Circle

St. Augustine Beach, FL 32080

$455,000$414/sqftEst. $2,320/moMLS# 2136243

Beds

Baths

1,098

Sq Ft

1982

Built

—

Garage

Pool

About this home

St. Augustine Beach

Discover relaxed coastal living at 66 Village Del Lago Circle, nestled within the sought-after Ocean Gallery community in St. Augustine, Florida. This well-maintained residence offers thoughtful updates, comfortable living, and an inviting coastal atmosphere just moments from the beach. Inside, the home features a beautifully renovated kitchen with modern finishes, along with a newly updated second-floor guest bathroom. The bright, sunlit patio extends the living space and creates the perfect setting to relax or entertain, enhanced by southern exposure and abundant natural light. Residents of Ocean Gallery enjoy resort-style amenities including tennis courts, pickleball, shuffleboard, racquetball, and a heated indoor/outdoor pool for year-round enjoyment. Flexible rental options include short-term, monthly, 6-month, or annual leases, making this an excellent investment opportunity. Enjoy the convenience, charm, and beachside lifestyle that make Ocean Gallery highly desirable always!

Cost to own

Mortgage calculator

Home Price

$455,000

Down Payment: 20%

$91,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,320

Principal & Interest: $2,320

Property taxes (est.): $605

Insurance (est.): $303

Estimated Total Monthly

$3,229

*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$2,320

Property taxesest. at asking price, St. Johns County$605

HOAbilled monthly$640

Estimated total, before insurance$3,565/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,597/yr · $383/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	$352,000	$329,422	—
2024	$352,000	$299,475	—
2023	$393,576	$272,250	—
2022	$270,000	$247,500	—
2021	$225,000	$225,000	—
2020	$244,000	$231,000	—

2025 property taxes (current owner): $4,597/yr

Estimated taxes if purchased at asking price: ~$7,300/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: Shingle — year not disclosed (home built 1982)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,766 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 23, 2026Listed$455,000

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

Features

Price$455,000

Price / Sq Ft$414

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,098

Year Built1982

TypeResidential

Sub-TypeCondominium

StatusActive

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryW. D. Hartley

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address66 Village Del Lago Circle, St. Augustine Beach, FL 32080

Area331-St Augustine Beach

SubdivisionOcean Gallery Condo

CitySt. Augustine Beach

CountySt. Johns

StateFL

Zip Code32080

Parcel Number1757752066

Amenities

AmenitiesBasketball Court, Beach Access, Clubhouse, Gated, Maintenance Grounds, Pickleball, Racquetball, Sauna, Security, Shuffleboard Court, Tennis Court(s), Trash

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Guest

ViewPond