This home is in St. Augustine.

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Active

Active·73 days on market

10 Beacon Street

St. Augustine, FL 32084

$579,000$431/sqftEst. $3,082/moMLS# 2143452

Beds

Baths

1,344

Sq Ft

2021

Built

—

Garage

Pool

About this home

St. Augustine

Fully furnished and turnkey, this is your opportunity to own a vacation home, short-term rental, or your own private getaway! Gently lived in and used primarily as a vacation home, it feels practically brand new. Inside, you'll find a clean, modern design featuring stainless steel appliances, granite countertops, durable vinyl flooring, and timeless white shaker cabinets. Start your mornings on the charming front porch with a cup of coffee, and wind down evenings on the back deck,perfect for grilling and entertaining (Grill Included) Located a nice walk from the heart of historic downtown, and moments from the Vilano Beach via the nearby Vilano Bridge, this home delivers the best of both worlds, coastal living and city charm.

Cost to own

Mortgage calculator

Home Price

$579,000

Down Payment: 20%

$115,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,943

Principal & Interest: $2,943

Est. Taxes & Insurance: $736

Estimated Total Monthly

$3,679

*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$3,082

Property taxesest. at asking price, St. Johns County$770

Estimated total, before insurance$3,852/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	$427,332	$427,332	—
2025	$523,992	$281,945	▲ $41,202
2024	$428,516	$416,784	—
2024	$483,522	$273,292	▼ $700
2023	$378,895	$378,895	—
2023	$426,773	$263,876	—
2022	$390,104	$390,104	—
2022	$409,145	$254,734	▼ $5,753
2021	$354,814	$354,814	—
2021	$349,589	$245,859	—
2020	$352,300	$352,300	—
2020	$335,308	$241,775	—

2025 property taxes (current owner): $8,461/yr

Estimated taxes if purchased at asking price: ~$9,200/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.

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 2021)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,595 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