This home is in North Beach, St. Augustine — a home near St. Augustine High School.
Active Under Contract·124 days on market·North Beach
404 Fourteenth Street
St. Augustine, FL 32084
About this home
North Beach
Turnkey living in the heart of Vilano Beach on an oversized corner lot at Palm Street and Fourteenth Street, this well designed coastal home blends lifestyle, location, and versatility in a way that is hard to find. Offering just over 1,700 square feet, the layout features three spacious bedrooms, two and a half bathrooms, and two separate living areas that provide flexibility for everyday living, entertaining, or hosting guests. The open concept kitchen, living, and dining areas flow seamlessly together, while soaring ceilings greet you upon entry and create a bright, airy feel that carries throughout the home. Step outside to a screened lanai perfect for morning coffee or unwind in the evening on the open air deck, all overlooking a fully fenced backyard with lush landscaping and room to enjoy the coastal breeze.
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, 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 | $720,912 | $720,912 | — |
| 2024 | $709,665 | $709,665 | — |
| 2023 | $672,188 | $646,624 | — |
| 2022 | $587,840 | $587,840 | — |
| 2021 | $390,014 | $390,014 | — |
| 2020 | $386,282 | $386,282 | — |
2025 property taxes (current owner): $10,084/yr
Estimated taxes if purchased at asking price: ~$11,500/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 — year not disclosed (home built 1995)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,766 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 homeAs 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
- Aug 28, 2026Active Under Contract$720,000
- Aug 5, 2026Price change$720,000−$15,000
- Jul 9, 2026Price change$735,000−$10,000
- Apr 26, 2026Listed$745,000
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: THE NEWCOMER GROUP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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