This home is in St. Augustine Beach.

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Active

Active·88 days on market

4582 Coastal Highway

St. Augustine Beach, FL 32084

$2,200,000$740/sqftEst. $11,709/moMLS# 2140747

Beds

Baths

2,974

Sq Ft

2002

Built

Garage

Pool

About this home

St. Augustine Beach

Oceanfront Living on Vilano Beach. Fully Furnished. Move-In Ready. Some homes ask you to imagine the life you could live. This one makes it impossible not to feel it the moment you arrive. Situated directly on the sands of Vilano Beach in historic St. Augustine, Florida, 4582 Coastal Highway is a rare, fully furnished oceanfront retreat offering panoramic Atlantic views, the sound of waves from every level, and a lifestyle that effortlessly balances peaceful coastal living with proximity to one of Florida's most beloved destinations. Whether you are searching for a second home, a vacation getaway, a retirement sanctuary, or a fresh start in Northeast Florida, this property delivers everything you need from day one.

Cost to own

Mortgage calculator

Home Price

$2,200,000

Down Payment: 20%

$440,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$11,113

Principal & Interest: $11,113

Est. Taxes & Insurance: $2,778

Estimated Total Monthly

$13,891

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$11,709

Property taxesest. at asking price, St. Johns County$2,927

HOAbilled monthly$240

Estimated total, before insurance$14,877/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

Year	Market value	Taxable value	Change
2025	$1,456,190	$1,456,190	—
2024	$1,525,277	$1,525,277	—
2023	$1,557,828	$1,557,828	—
2022	$1,570,532	$1,570,532	—
2021	$900,068	$775,491	—
2020	$704,992	$704,992	—

2025 property taxes (current owner): $20,757/yr

Estimated taxes if purchased at asking price: ~$35,100/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 VE — coastal high-hazard area

Flood insurance is required by lenders, at coastal (wave-action) rates.

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: Shingle — year not disclosed (home built 2002)

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

Sewer · JEA_Premises point dataset with CCB_DESCR like sewer · Public water · JEA

County records show this parcel on central sewer served by JEA_Premises point dataset with CCB_DESCR like sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,765 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

Price & status history

Apr 18, 2026Listed$2,200,000

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

Features

Price$2,200,000

Price / Sq Ft$740

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage2,974

Total Structure Area3,623 sq ft

Acres0.43 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesWest

Community Information

Address4582 Coastal Highway, St. Augustine Beach, FL 32084

Area266-Vilano Beach

SubdivisionKingston Dunes

CitySt. Augustine Beach

CountySt. Johns

StateFL

Zip Code32084

Lot Size18,730.8 sq ft

Parcel Number1422900770

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewBeach, Ocean

Waterfront TypeOcean Access, Ocean Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces2

Fireplace FeaturesElectric, Gas

# of Stories3

LevelsThree Or More

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup