This home is in Treasure Beach, St. Augustine — a home near Pedro Menendez High School.
Pending·117 days on market·Treasure Beach
5900 Costanero Road
St. Augustine, FL 32080
About this home
Treasure Beach
What makes a St. Augustine home near Butler Beach stand out? Hurricane-rated construction, protected preserve views, and steps-to-sand access make this 3-bedroom, 3.5-bath, 2,833-square-foot coastal home one of the most storm-resilient properties on the market near Butler Beach. It backs directly to a protected state preserve, delivering a level of permanent privacy that's rare this close to the coast. This home was engineered for real Florida living. A concrete block first floor, metal roof, hurricane-impact windows, dual HVAC systems, and transferable flood insurance already in place mean coastal beauty doesn't come at the cost of storm readiness. Every bedroom includes a private ensuite with a walk-in shower, and the primary suite functions as its own retreat, featuring a 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, 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).
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 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.
History
Price & status history
- Aug 20, 2026Pending$925,000
- Aug 5, 2026Active Under Contract$925,000
- 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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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines