This home is in Ocean Cay, St. Augustine Beach.
Pending·93 days on market·Ocean Cay
281 Ocean Cay Boulevard
St. Augustine Beach, FL 32080
About this home
Ocean Cay
The Monterey floor plan in Ocean Cay features a large downstairs Primary bedroom with separate tub, shower and oversized walk-in closet. A separate downstairs flex room/office near the front for privacy. 3 upstairs bedrooms, two have walk in closets with 2 full baths and a huge loft area. Major features are a pavered driveway and walkway to the heated, saltwater pool, tile and hardwood floors, Triple Slider Patio door, screened porch, and a wide-open floor plan. The kitchen features upgraded cabinets with crown molding, Cambria Quartz kitchen counters, California bar island, pendant lights over the island, and a tiled backsplash. Aluminum Storm Shutters and IQ Fiber ready. A gated community, 1 mile from the beach and close to the Intracoastal. Exterior Key West/Coastal Design with tropical landscaping, every day here is a vacation. With one of the largest lots in the neighborhood, it's time to call Ocean Cay home.
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, 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 | $696,930 | $400,757 | — |
| 2024 | $684,605 | $388,755 | — |
| 2023 | $630,876 | $375,976 | — |
| 2022 | $607,545 | $363,569 | — |
| 2021 | $455,259 | $145,761 | — |
| 2020 | $395,979 | $0 | — |
2025 property taxes (current owner): $5,916/yr
Estimated taxes if purchased at asking price: ~$12,400/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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Metal, Shingle — year not disclosed (home built 2017)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,806 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 homeInformational 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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Ocean Cay
Ocean Cay is a neighborhood in Jacksonville Beach, FL (St. Johns County), ZIP 32080.
View all Ocean Cay homes for sale →Listing Courtesy of: EXP REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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