This home is in Treasure Beach, St. Augustine.
Active·72 days on market·Treasure Beach
5900 Costanero Road
St. Augustine, FL 32080
About this home
Treasure Beach
Steps from Butler Beach, tucked against a protected state preserve, this 3-bedroom, 3.5-bath St. Augustine home pairs walk-to-beach living with the quiet of an untouched natural backdrop. At 2,833 square feet, it's a rare combination of coastal lifestyle and serious construction quality. What makes this property stand out? It's a storm-ready, move-in-ready coastal home offering walkable beach access, permanent preserve-view privacy, and premium hurricane-rated construction--three things buyers rarely find together in St. Augustine. Built to last through coastal weather, the home features a concrete block first floor, metal roof, hurricane-impact windows, dual HVAC systems, and transferable flood insurance. Every bedroom has its own ensuite bath with a walk-in shower, and the primary suite is a true retreat--soaking tub, private sauna, center-bench shower, and an oversized walk-in closet.
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, 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 | $692,904 | $642,182 | ▼ $22,221 |
| 2024 | $642,757 | $544,621 | — |
| 2023 | $220,000 | $92,604 | — |
| 2022 | $162,400 | $84,185 | — |
| 2021 | $85,000 | $76,532 | — |
| 2020 | $85,000 | $69,575 | — |
2025 property taxes (current owner): $9,482/yr
Estimated taxes if purchased at asking price: ~$14,800/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.
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: Metal — year not disclosed (home built 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,724 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 homeInformational 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
- May 5, 2026Listed$925,000
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 Treasure Beach
Treasure Beach is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32080.
View all Treasure Beach homes for sale →Listing Courtesy of: FIV REALTY CO FLORIDA LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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