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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Vilano Beach, St. Augustine — a new construction home in St. Johns County.

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Active

Active·179 days on market·Vilano Beach

502 Nineteenth Street

St. Augustine, FL 32084

$1,190,000$467/sqftEst. $6,591/moMLS# 2140804
↓ $710,000 below original list
4
Beds
3.5
Baths
2,548
Sq Ft
2026
Built
1
Garage
Yes
Pool

6 more homes for sale in Vilano Beach →Search Vilano Beach on the map

FEMA Zone AENo HOASingle Family Residence2 storiesNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Vilano Beach

Brand New Construction in beautiful Vilano Beach underway. This large 5/3.5 two story home will host even your largest of crowds! Make this fantastic home your primary home, vacation get away or even a short-term rental investment! Large open kitchen/living/dining and powder room on first floor, 5 bedrooms (including master) and 3 bathrooms upstairs. Light and bright, this low maintenance home and yard with brand new pool and pavers is within a short walk or bike ride to the beach and won't disappoint. 2-10 home warranty with accepted offer provided by builder. Estimated completion July/August 2026; Photos depicted are of a similar one completed

Next steps in Vilano Beach

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$6,591
Property taxesest. at asking price, St. Johns County$1,583
Estimated total, before insurance$8,175/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,190,000
$238,000
Loan Term
Monthly Payment
$6,591
Principal & Interest: $6,591
Property taxes (est.): $1,584
Insurance (est.): $793
Estimated Total Monthly
$8,968
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,635 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.

Cost to own

Taxes & assessment

Last sold: $300,000 in April 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$290,000$290,000—
2025$172,709$172,709▲ $11,430
2024$290,000$290,000—
2024$161,540$161,540▲ $4,119
2023$290,000$179,488—
2023$149,962$149,962—
2022$257,600$163,171—
2022$145,458$106,739—
2021$165,000$148,337—
2021$105,382$97,036—
2020$165,000$134,852—
2020$88,215$88,215—

Estimated taxes if purchased at asking price: ~$19,000/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.

History

Price & status history

  • Jul 15, 2026Price change$1,190,000−$710,000
  • Apr 19, 2026Listed$1,900,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $453/sq ft; this home is listed at $467/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
502 Twenty-First Street, St. Augustine, FL 32084Listed by COMPASS FLORIDA LLCJun 2026$820,000$3235/3.52,542310.1
511 Twenty-First Street, St. Augustine, FL 32084Listed by NEXTHOME NEW BEGINNINGSJun 2026$820,000$3763/2.52,18390.1
225 Twentieth Street, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$862,500$4534/21,903870.2
301 Twenty-Second Street, St. Augustine, FL 32084Listed by DEKAY COASTAL PROPERTIESAug 2026$685,000$3173/22,158840.2
213 Twenty-First Street, St. Augustine, FL 32084Listed by LINWARD REALTY, LLCJun 2026$1,865,000$5964/4.53,131470.2
609 Twenty Second Street, St. Augustine, FL 32084Listed by LINWARD REALTY, LLCMay 2026$1,100,000$6114/3.51,800120.2

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,190,000
Price / Sq Ft$467
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,548
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages1
Has PoolYes
Pool FeaturesIn Ground, Fenced
Is WaterfrontNo
New ConstructionYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address502 Nineteenth Street, St. Augustine, FL 32084
Area266-Vilano Beach
SubdivisionPacetti North Beach
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Dimensions50x100
Parcel Number1460500000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Attached, Garage

Interior

Interior FeaturesBreakfast Bar, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Disposal, Electric Range, Ice Maker, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories2
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

FencingBack Yard

Additional Information

Date ListedApril 19, 2026
Days on Market87
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PREMIER HOMES REALTY INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Vilano Beach

Vilano Beach is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Vilano Beach homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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