This home is in St. Augustine.

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Active

Active·74 days on market

1076 Santa Cruz Street

St. Augustine, FL 32092

$385,000$267/sqftEst. $2,049/moMLS# 2143003

Beds

Baths

1,442

Sq Ft

2013

Built

Garage

Pool

About this home

St. Augustine

Imagine settling into your first home without a single worry! This 3-bed, 2-bath St. Augustine gem offers the ultimate move-in ready experience and smart start to homeownership. Its charming Craftsman exterior welcomes you to a life of ease, allowing you to focus on exploring everything this vibrant area provides. Inside, discover 1442 sq ft of thoughtfully updated living space. Enjoy brand new LVP flooring, pristine stone countertops, and an inviting electric fireplace. Updated light fixtures, new screens, and exterior LED lighting enhance comfort and efficiency. The primary suite offers a peaceful retreat, while a split bedroom plan provides excellent functionality. An epoxy garage floor provides exceptional durability, while the low HOA fees contribute to a manageable budget. The fully fenced yard and huge paver patio enhance outdoor living, adding clear value and ideal setting for enjoyment of that Florida lifestyle. Beyond the home, enjoy the community pool, easy access

Cost to own

Mortgage calculator

Home Price

$385,000

Down Payment: 20%

$77,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,945

Principal & Interest: $1,945

Est. Taxes & Insurance: $486

Estimated Total Monthly

$2,431

*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$2,049

Property taxesest. at asking price, St. Johns County$512

HOAbilled semi-annually$81

Estimated total, before insurance$2,642/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

Last sold: $385,000 in June 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$314,352	$314,352	—
2024	$299,816	$299,816	—

2025 property taxes (current owner): $5,857/yr

Estimated taxes if purchased at asking price: ~$6,100/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 X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2013)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,765 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