Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Villages Of Vilano, St. Augustine — a gated community home in St. Johns County.

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Active

Active·129 days on market·Villages Of Vilano

109 Ocean Hollow Lane

St. Augustine, FL 32084

$579,000$254/sqftEst. $2,977/moMLS# 2141447

Beds

Baths

2,277

Sq Ft

1987

Built

Garage

Pool

About this home

Villages Of Vilano

Welcome to coastal living in one of the area's most sought after communities. This 3BR, 2BA residence with a dedicated office offers the perfect blend of comfort, functionality and lifestyle. Inside you will find a spacious floorplan ideal for both everyday living and entertaining. You can enjoy peace of mind with a brand-new roof (2026), HVAC (2015) and Water Heater (2020). Enjoy exclusive private access to both the beach and the Intracoastal, Indoor (heated) pool, outdoor pool, GYM, Tennis, Pickleball, RV/Boat storage and more. Don't miss this opportunity to live where others vacation - schedule your private showing today!

Cost to own

Mortgage calculator

Home Price

$579,000

Down Payment: 20%

$115,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,977

Principal & Interest: $2,977

Property taxes (est.): $770

Insurance (est.): $386

Estimated Total Monthly

$4,133

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,977

Property taxesest. at asking price, St. Johns County$770

HOAbilled monthly$413

Estimated total, before insurance$4,160/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,848/yr · $487/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	$425,046	$392,697	—
2024	$432,473	$356,997	—
2023	$412,925	$324,543	—
2022	$398,138	$295,039	—
2021	$268,217	$268,217	—
2020	$270,938	$270,938	—

2025 property taxes (current owner): $5,848/yr

Estimated taxes if purchased at asking price: ~$9,200/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 — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,715 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 23, 2026Listed$579,000

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

Features

Price$579,000

Price / Sq Ft$254

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,277

Acres0.14 acres

Year Built1987

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesEast

Community Information

Address109 Ocean Hollow Lane, St. Augustine, FL 32084

Area266-Vilano Beach

SubdivisionVillages Of Vilano

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size6,098.4 sq ft

Parcel Number1423710050

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Beach Access, Boat Launch, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Marina, Pickleball, RV/Boat Storage, Security, Spa/Hot Tub, Tennis Court(s), Trash

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewLake

Interior

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

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit

SecurityGated with Guard, Security Gate