This home is in San Marco, St. Augustine.

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Active Under Contract

Active Under Contract·99 days on market·San Marco

18 Estey Street

St. Augustine, FL 32084

$555,000$385/sqftEst. $2,954/moMLS# 2138204

Beds

Baths

1,442

Sq Ft

1925

Built

—

Garage

Pool

About this home

San Marco

Charming historic 4BR/3BA home surrounded by Spanish moss-draped live oaks and just minutes from Historic St. Augustine and local attractions. Historic character blends with modern updates, including wood flooring, a renovated kitchen, and stylish bathrooms. An inviting home including an open floor plan, a durable metal roof, gutters, an expansive front porch, and a private outdoor area. Eligible for short-term rentals -- ideal income property or coastal retreat. Turnkey potential for vacation rental and income. this is a guest favorite and is in the top 1% of rentals!

Cost to own

Mortgage calculator

Home Price

$555,000

Down Payment: 20%

$111,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,821

Principal & Interest: $2,821

Est. Taxes & Insurance: $705

Estimated Total Monthly

$3,526

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,954

Property taxesest. at asking price, St. Johns County$739

Estimated total, before insurance$3,692/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$428,208	$428,208	—
2024	$416,270	$406,144	—
2023	$394,520	$369,222	—
2022	$377,284	$335,656	—
2021	$305,142	$305,142	—
2020	$259,988	$252,934	—

2025 property taxes (current owner): $8,486/yr

Estimated taxes if purchased at asking price: ~$8,900/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 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: Metal — year not disclosed (home built 1925)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,670 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History