This home is in St. Augustine.

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Active

Active·104 days on market

1314 Ardmore Street

St. Augustine, FL 32092

$455,000$246/sqftEst. $2,422/moMLS# 2138365

Beds

Baths

1,853

Sq Ft

2003

Built

Garage

Pool

About this home

St. Augustine

Don't Miss This One! Beautifully updated and well maintained with redesigned kitchen boasting with upgrades galore! Better than new construction. 4 bedroom & 2 full bathrooms + water softener. Open floor plan designed for living and entertaining with ease. Brand new wood flooring in main areas. Kitchen features brand new cabinets, top of the line granite countertop, travertine tiled backsplash, new double-oven convection, microwave & dishwasher and all stainless-steel appliances. Pullout pantry and soft-close drawers too! Separate Laundry Room and all one-floor convenience. Spacious primary suite with walk-in closet and master bathroom features walk-in shower with separate tub. Enjoy a covered lanai and fully fenced yard with irrigation system. Located in top-rated St. Johns County schools & close to new park coming soon.

Cost to own

Mortgage calculator

Home Price

$455,000

Down Payment: 20%

$91,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,313

Principal & Interest: $2,313

Est. Taxes & Insurance: $578

Estimated Total Monthly

$2,891

*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$2,422

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

HOAbilled annually$27

Estimated total, before insurance$3,054/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	$313,917	$86,671	—
2024	$324,577	$82,112	—
2023	$341,755	$76,808	—
2022	$318,258	$71,658	—
2021	$223,901	$66,658	—
2020	$213,292	$64,357	—

2025 property taxes (current owner): $1,995/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 2003)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,708 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

Price & status history

Apr 3, 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$246

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,853

Acres0.14 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address1314 Ardmore Street, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv The Meadows

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,098.4 sq ft

Parcel Number0288212660

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic, Well

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySmoke Detector(s)