This home is in Vilano Beach, St. Augustine — a home near St. Augustine High School.
Active·172 days on market·Vilano Beach
216 Fifth Street
St. Augustine, FL 32084
17 more homes for sale in Vilano Beach →Search Vilano Beach on the map
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About this home
Vilano Beach
This custom three-story residence sits on a private 100x100 lot just a short stroll from the beach, offering a level of space, flexibility, and craftsmanship that is rarely found in Vilano Beach. Set within a uniquely desirable neighborhood with no HOA, the location delivers true coastal living with one-block access to both the Atlantic Ocean to the east and the Intracoastal Waterway to the west. From the moment you arrive, wide wraparound porches, paddle fans, mature trees, extensive paver work, and new privacy fencing create a setting that feels relaxed, private, and secure. The ground level is anchored by an expansive 1,373-square-foot, 3 car garage designed with function in mind, featuring ample room for vehicles, fishing gear, boat, storage, and a custom California Closets workbench wall, along with a fully separate in-law suite with its own private entrance and thoughtfully designed kitchenette.
Next steps in Vilano Beach
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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: Metal — year not disclosed (home built 2004)
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: ~1,794 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,019,465 | $904,188 | — |
| 2024 | $1,006,246 | $821,989 | — |
| 2023 | $929,256 | $747,263 | — |
| 2022 | $797,379 | $679,330 | — |
| 2021 | $617,573 | $617,573 | — |
| 2020 | $613,283 | $613,283 | — |
2025 property taxes (current owner): $13,286/yr
Estimated taxes if purchased at asking price: ~$23,800/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.
History
Price & status history
- Apr 26, 2026Listed$1,490,000
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 $323/sq ft; this home is listed at $472/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 408 Third Street, St. Augustine, FL 32084Listed by BEACHSIDE BROKERS REALTY, INC | Jun 2026 | $800,000 | $239 | 5/3 | 3,350 | 463 | 0.2 |
| 304 Coconut Grove Court, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIES | Mar 2026 | $687,200 | $275 | 4/3 | 2,495 | 8 | 0.5 |
| 4000 Palm Street, St. Augustine, FL 32084Listed by FLUID REALTY, LLC. | Jun 2025 | $1,050,000 | $445 | 3/2.5 | 2,360 | 75 | 0.5 |
| 502 Twenty-First Street, St. Augustine, FL 32084Listed by COMPASS FLORIDA LLC | Jun 2026 | $820,000 | $323 | 5/3.5 | 2,542 | 31 | 0.9 |
| 213 Twenty-First Street, St. Augustine, FL 32084Listed by LINWARD REALTY, LLC | Jun 2026 | $1,865,000 | $596 | 4/4.5 | 3,131 | 47 | 0.9 |
| 107 Hammock Circle, St. Augustine, FL 32084Listed by EXP REALTY LLC | Jun 2026 | $585,000 | $249 | 3/2 | 2,349 | 208 | 1.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE NEWCOMER GROUP
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 →Keep looking
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Your Local Realtor
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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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines