This home is in North Beach, St. Augustine.

1 / 46

Pending

Pending·83 days on market·North Beach

511 Twenty-First Street

St. Augustine, FL 32084

$825,000$378/sqftEst. $4,391/moMLS# 2141621

Beds

Baths

2,183

Sq Ft

1993

Built

Garage

Yes

Pool

About this home

North Beach

Welcome to an exceptional opportunity in one of St Augustine's most sought-after areas. Perfectly positioned just minutes from historic downtown, pristine beaches, and vibrant local dining, this residence offers the ideal balance of timeless charm and everyday convenience. Thoughtfully situated in a well-established neighborhood, this home invites you to experience the relaxed elegance of Florida living. Whether enjoying quiet mornings at home or effortless access to the cultural heart of Saint Augustine, every day feels like a retreat. The property's location provides seamless connectivity to coastal lifestyles, local attractions, and major roadways--making it well suited for a primary residence, second home, or investment opportunity. Surrounded by history, yet close to modern amenities, this home captures the essence of refined living in America's oldest city. An inviting setting where character, comfort, and location converge.

Cost to own

Mortgage calculator

Home Price

$825,000

Down Payment: 20%

$165,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,167

Principal & Interest: $4,167

Est. Taxes & Insurance: $1,042

Estimated Total Monthly

$5,209

*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$4,391

Property taxesest. at asking price, St. Johns County$1,098

Estimated total, before insurance$5,489/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	$619,064	$298,278	—
2024	$586,132	$289,164	—
2023	$555,149	$279,285	—
2022	$486,861	$269,694	—
2021	$360,821	$260,383	—
2020	$341,645	$256,098	—

2025 property taxes (current owner): $4,530/yr

Estimated taxes if purchased at asking price: ~$13,200/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 1993)

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

Solar potential: ~1,820 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.