This home is in St. Augustine.

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Active

Active·99 days on market

5650 A1A S D224

St. Augustine, FL 32080

$499,000Est. $2,544/moMLS# 2140127

Beds

Baths

Sq Ft

1975

Built

—

Garage

Pool

About this home

St. Augustine

Ocean Views + Weekly Rental Income in St. Augustine Beach! Own a piece of the coast that can work for you. This 2-bedroom, 2.5-bath condo at Island House offers the rare combination of ocean views and short-term rental flexibility (weekly rentals allowed)--making it ideal as both a personal retreat and income-producing property. The light-filled interior features vaulted ceilings, an open-concept living and dining area, and seamless access to your private balcony, where you can enjoy coastal breezes and views toward the Atlantic. The updated kitchen is equipped with granite countertops, custom cabinetry, and a modern backsplash--designed for easy, low-maintenance living. Offered fully furnished, this unit is truly turnkey and ready for immediate use or rental. The Island House community provides direct beach access, a pool, tennis courts, and beautifully maintained grounds. Located on Crescent Beach, just minutes from historic downtown St. Augustine, this is one of the most

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,544

Principal & Interest: $2,544

Property taxes (est.): $664

Insurance (est.): $333

Estimated Total Monthly

$3,541

*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$2,544

Property taxesest. at asking price, St. Johns County$664

HOAbilled monthly$700

Estimated total, before insurance$3,908/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,739/yr · $395/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	$356,000	$345,528	—
2024	$371,000	$314,116	—
2023	$437,100	$285,560	—
2022	$340,000	$259,600	—
2021	$236,000	$236,000	—
2020	$230,000	$230,000	—

2025 property taxes (current owner): $4,739/yr

Estimated taxes if purchased at asking price: ~$8,000/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: Metal — 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

Price & status history

Apr 15, 2026Listed$499,000

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

Features

Price$499,000

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Total Structure Area1,350 sq ft

Year Built1975

TypeResidential

Sub-TypeCondominium

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontYes

School Information

ElementaryW. D. Hartley

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address5650 A1A S D224, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionIsland House Condo

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Parcel Number1828500270

ZoningCondominium

Amenities

AmenitiesPool, Clubhouse, Maintenance Grounds, Shuffleboard Court, Tennis Court(s), Trash

UtilitiesElectricity Connected, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Guest

ViewOcean

Waterfront TypeOcean Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit

SecuritySmoke Detector(s)