This home is in Davis Shores, St. Augustine.

1 / 21

Pending

Pending·78 days on market·Davis Shores

102 Zoratoa Avenue

St. Augustine, FL 32080

$435,000$242/sqftEst. $2,315/moMLS# 2142511

Beds

Baths

1,800

Sq Ft

1948

Built

Garage

Pool

About this home

Davis Shores

Davis Shores Investment Cottage with Detached ADU -- Steps from the Bridge of Lions. A rare 1948 St. Augustine cottage with the kind of location investors and legacy-minded buyers chase for years. Tucked into Davis Shores just steps from the Bridge of Lions, this dual-living property delivers two separate income streams on one walkable, in-demand lot. The main house is pure old-Florida charm -- original hardwood floors, a bright living space, 2 bedrooms and 1.5 baths, and a screened porch with peeks of the Intracoastal where morning coffee hits different. The private fenced backyard offers room to relax, garden, or entertain after a day at the beach. The detached above-garage ADU was fully renovated in 2023 -- a true 1-bedroom studio with full bath, eat-in continental kitchen, and its own private fenced courtyard. Ideal for a short-term rental, long-term tenant, in-law suite, or guest quarters. Off-street parking serves both units independently.

Cost to own

Mortgage calculator

Home Price

$435,000

Down Payment: 20%

$87,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,211

Principal & Interest: $2,211

Est. Taxes & Insurance: $553

Estimated Total Monthly

$2,764

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$2,315

Property taxesest. at asking price, St. Johns County$579

Estimated total, before insurance$2,894/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	$431,894	$431,894	—
2024	$453,053	$450,142	—
2023	$466,961	$409,220	—
2022	$420,315	$372,018	—
2021	$338,198	$338,198	—
2020	$206,037	$186,349	—

2025 property taxes (current owner): $8,635/yr

Estimated taxes if purchased at asking price: ~$6,900/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 1948)

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

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).

Solar potential: ~1,763 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.

History

Price & status history

Jul 16, 2026Pending$435,000
Jul 10, 2026Active Under Contract$435,000
Jul 8, 2026Price change$435,000−$100,000
Apr 29, 2026Listed$535,000

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

Features

Price$435,000

Price / Sq Ft$242

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,800

Total Structure Area2,544 sq ft

Acres0.15 acres

Year Built1948

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage

StatusPending

# of Garages1

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryR. B. Hunt

MiddleSebastian

HighSt. Augustine

Community Information

Address102 Zoratoa Avenue, St. Augustine, FL 32080

Area323-Davis Shores

SubdivisionDavis Shores

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size6,534 sq ft

Lot Dimensions49 X 125

Parcel Number2194800000

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener, Guest, Off Street

ViewIntracoastal, Water

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs

AppliancesDishwasher, Double Oven, Electric Oven, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

# of Stories1

LevelsOne and One Half

LaundryIn Garage

Exterior

Exterior FeaturesCourtyard, Outdoor Shower

Patio / PorchFront Porch, Screened

RoofShingle

ConstructionFiber Cement

Additional Information

Date ListedApril 29, 2026

Days on Market72

Tax Amount$8,635.12

Tax Year2025

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

The neighborhood

About Davis Shores

Davis Shores is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32080.

View all Davis Shores homes for sale →

Listing Courtesy of: RE/MAX UNLIMITED

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Keep looking

More homes in Davis Shores

View all Davis Shores homes →

Keep looking

Similar homes in St. Augustine

Your Local Expert

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 home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Contact Krista Fracke