This home is in St. Augustine.

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Active Under Contract

Active Under Contract·107 days on market

6170 A1A 215

St. Augustine, FL 32080

$879,000$541/sqftEst. $4,482/moMLS# 2138772

Beds

Baths

1,624

Sq Ft

1986

Built

—

Garage

Pool

About this home

St. Augustine

Experience coastal living at its finest in this stunning 3-bedroom, 2-bath condo in highly sought-after Atlantic East. Enjoy breathtaking, direct ocean views from multiple vantage points throughout this beautifully designed residence. The open floorplan creates a seamless flow, perfect for both relaxing and entertaining. The spacious kitchen features granite countertops, stainless steel appliances, and a layout that allows you to take in the ocean views while you cook. The living area opens to a private balcony overlooking both the pool and the sparkling Atlantic Ocean--ideal for morning coffee or evening sunsets. The primary suite is a true retreat, complete with its own private oceanfront balcony and a well-appointed bathroom featuring a large walk-in shower. Additional bedrooms provide comfort and flexibility for guests or a home office.

Cost to own

Mortgage calculator

Home Price

$879,000

Down Payment: 20%

$175,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,482

Principal & Interest: $4,482

Property taxes (est.): $1,170

Insurance (est.): $586

Estimated Total Monthly

$6,237

*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$4,482

Property taxesest. at asking price, St. Johns County$1,170

HOAbilled monthly$1,840

Estimated total, before insurance$7,491/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,967/yr · $331/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	$609,000	$281,348	—
2024	$781,200	$272,711	—
2023	$825,142	$263,312	—
2022	$603,750	$254,186	—
2021	$556,500	$245,326	—
2020	$551,250	$241,249	—

2025 property taxes (current owner): $3,967/yr

Estimated taxes if purchased at asking price: ~$14,000/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: Tile — year not disclosed (home built 1986)

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: ~1,786 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

Apr 7, 2026Listed$879,000

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

Features

Price$879,000

Price / Sq Ft$541

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,624

Year Built1986

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusActive Under Contract

Has PoolNo

Is WaterfrontYes

Direction FacesWest

Community Information

Address6170 A1A 215, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionAtlantic East

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Parcel Number1829300215

Amenities

AmenitiesPool, Beach Access, Cable TV, Clubhouse, Elevator(s), Fitness Center, Management - Full Time, Racquetball, Sauna, Tennis Court(s), Trash, Water

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingParking Lot, Secured

ViewBeach

Waterfront TypeOcean Front