This home is in North Beach, St. Augustine.
Active Under Contract·84 days on market·North Beach
501 Twenty-First Street
St. Augustine, FL 32084
About this home
North Beach
Experience the best of Vilano Beach living on an oversized corner lot at Myrtle Street and Twenty-First Street. This thoughtfully designed, elevated coastal home offers a rare combination of lifestyle, location, and versatility. Raised off the ground, the home not only captures coastal breezes and added privacy, but also provides extra peace of mind. You'll enjoy no flooding concerns along with the freedom of no HOA. The expansive yard offers plenty of space to park boats, RVs, or other recreational vehicles, with room to add a pool and create your own private outdoor retreat. Recent updates include a brand-new roof (2025) and new stairs, making this home truly move-in ready. Start your mornings on the porch with a cup of coffee, soaking in the ocean air and the relaxing sound of the waves. Ideally situated just a short stroll from both the beach and the Intracoastal Waterway, this location makes it easy to enjoy morning sunrises and evening sunsets.
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 | $504,137 | $395,914 | — |
| 2025 | $1,505 | $1,505 | — |
| 2024 | $497,554 | $384,049 | — |
| 2024 | $1,505 | $1,505 | ▼ $17,071 |
| 2023 | $477,897 | $371,407 | — |
| 2023 | $1,505 | $1,505 | — |
| 2022 | $409,133 | $359,133 | — |
| 2022 | $1,505 | $1,505 | — |
| 2021 | $295,609 | $295,609 | — |
| 2021 | $1,505 | $1,505 | — |
| 2020 | $294,685 | $181,723 | — |
| 2020 | $1,505 | $1,505 | — |
2025 property taxes (current owner): $5,850/yr
Estimated taxes if purchased at asking price: ~$8,800/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: Shingle — 2025 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely septic
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
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.
History
Price & status history
- Apr 22, 2026Listed$550,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About North Beach
North Beach is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32084.
View all North Beach homes for sale →Listing Courtesy of: MAXREV, LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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