This home is in Atwood Tract, St. Augustine.

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Active

Active·92 days on market·Atwood Tract

132 Pomar Street

St. Augustine, FL 32084

$419,999$564/sqftEst. $2,235/moMLS# 2140144

Beds

Baths

745

Sq Ft

1920

Built

—

Garage

Pool

About this home

Atwood Tract

Move-in ready and tastefully updated, this charming historic cottage in the heart of Lincolnville blends timeless character with thoughtful modern improvements. Located just minutes from downtown St. Augustine, the property offers convenient access to restaurants, galleries, shopping, waterfront attractions, and Trolley Stop #11, while also being approximately one-half mile from the Willie Galimore Recreation Center and community pool. The home carries a documented historic designation and offers 2 bedrooms, 2 full bathrooms, and 745 square feet of efficiently designed living space filled with natural light and character.

Cost to own

Mortgage calculator

Home Price

$419,999

Down Payment: 20%

$84,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,135

Principal & Interest: $2,135

Est. Taxes & Insurance: $534

Estimated Total Monthly

$2,669

*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$2,235

Property taxesest. at asking price, St. Johns County$559

Estimated total, before insurance$2,794/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

Last sold: $439,500 in January 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$362,570	$362,570	—
2024	$367,322	$367,322	—
2023	$360,681	$360,681	—
2022	$334,339	$334,339	—
2021	$155,878	$98,992	—
2020	$90,164	$89,993	—

2025 property taxes (current owner): $7,150/yr

Estimated taxes if purchased at asking price: ~$6,700/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1920)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,646 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