This home is in St. Augustine.

1 / 41

Active

Active·107 days on market

5650 S A1A G117

St. Augustine, FL 32080

$450,000$333/sqftEst. $2,294/moMLS# 2138884

Beds

Baths

1,350

Sq Ft

1975

Built

—

Garage

Pool

About this home

St. Augustine

Instant Equity on Day One -- Island House, St. Augustine Beach!! Here's something you don't see every day: a beach condo where the value is already going up before you unpack. Island House is currently undergoing a full exterior renovation -- fresh paint and an upgrade from wooden railings to sleek aluminum throughout the complex. This $38,000 special assessment is already in motion, and the sellers are paying it in full at closing. That means you step into a freshly polished oceanfront community with zero out-of-pocket exposure. Built-in equity. No waiting. No surprises. The property delivers everything St. Augustine Beach buyers want most. Ground floor. No stairs. No elevator wait. Just walk out and go.

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $599

Insurance (est.): $300

Estimated Total Monthly

$3,193

*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$2,294

Property taxesest. at asking price, St. Johns County$599

HOAbilled monthly$685

Estimated total, before insurance$3,578/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,117/yr · $426/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	$423,000	$339,671	—
2024	$439,890	$308,792	—
2023	$439,890	$280,720	—
2022	$343,000	$255,200	—
2021	$232,000	$232,000	—
2020	$217,000	$217,000	—

2025 property taxes (current owner): $5,117/yr

Estimated taxes if purchased at asking price: ~$7,200/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 1975)

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

Sewer & public water · St Johns County Utilities

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

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

Solar potential: ~1,730 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