This home is in St. Augustine.
Active·99 days on market
109 Caribe Vista Way
St. Augustine, FL 32080
About this home
St. Augustine
Fully furnished and truly oceanfront--welcome to Ocean Gallery, known as ''the best condominium resort address on the beach.'' This gated, 24-hour guarded community offers unmatched amenities including multiple pools, lush tropical landscaping, tennis and pickleball courts, a full fitness center, and both indoor and outdoor heated pools. Enjoy peaceful strolls along scenic pathways with the soothing sound of the Atlantic just steps away. This stunning first-floor 2-bedroom, 2-bath unit features 1,396 sq ft of open living space, two spacious bedrooms, and fresh interior paint. The kitchen was updated in December 2023 with modern appliances. Step out your sliding glass doors and you're instantly on the path to the beach--true beachfront living. Units like this rarely come available. Don't miss your opportunity--schedule your showing today.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $581,000 | $581,000 | — |
| 2024 | $617,000 | $552,365 | — |
| 2023 | $593,340 | $502,150 | — |
| 2022 | $490,000 | $456,500 | — |
| 2021 | $415,000 | $415,000 | — |
| 2020 | $415,000 | $415,000 | — |
Estimated taxes if purchased at asking price: ~$13,200/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: material not specified — year not disclosed (home built 1982)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,808 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 homeAs 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
- Apr 15, 2026Listed$825,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY AT THE LAKES
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Expert
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 home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines