This home is in Villages Of Vilano, St. Augustine.

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Active

Active·70 days on market·Villages Of Vilano

110 Ocean Hollow Lane 118

St. Augustine, FL 32084

$409,900$312/sqftEst. $2,182/moMLS# 2144118

Beds

Baths

1,313

Sq Ft

1989

Built

Garage

Pool

About this home

Villages Of Vilano

PRICE REDUCTION! Beach life starts here! Bring the family and the pets to this beautifully updated 3 Bedroom, 2 Bath condo just steps to the Ocean. Located in a private gated community with its own shaded beachfront gazebo this is the place to relax, enjoy the sunrise and enjoy coastal living at its best. Enjoy your own private beach walkover, so no traffic or dodging cars on A1A! This rare 3 Bedroom Condo exudes charm with stylish Shiplap in the living room, high end chic kitchen cabinets that complement the stainless appliances and granite counters. Other notable updates are LVP, plantation shutters, closet built-ins, and private screened porch for listening to the Ocean waves. The condo comes with 2 assigned parking spaces in the shaded basement with elevator - no need to climb stairs unless you want to! The unit also has a storage locker in the garage to store all your beach gear. Don't delay, this home is perfect for full-time living, vacationing, or an investment property

Cost to own

Mortgage calculator

Home Price

$409,900

Down Payment: 20%

$81,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,083

Principal & Interest: $2,083

Est. Taxes & Insurance: $521

Estimated Total Monthly

$2,604

*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$2,182

Property taxesest. at asking price, St. Johns County$545

HOAbilled monthly$880

Estimated total, before insurance$3,607/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	$357,000	$357,000	—
2024	$370,000	$370,000	—
2023	$394,565	$368,500	—
2022	$335,000	$335,000	—
2021	$217,000	$166,800	—
2020	$217,000	$163,807	—

2025 property taxes (current owner): $4,829/yr

Estimated taxes if purchased at asking price: ~$6,500/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1989)

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

Solar potential: ~1,787 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 7, 2026Price change$409,900−$25,100
May 7, 2026Listed$435,000

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

Features

Price$409,900

Price / Sq Ft$312

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,313

Year Built1989

TypeResidential

Sub-TypeCondominium

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesEast

Community Information

Address110 Ocean Hollow Lane 118, St. Augustine, FL 32084

Area266-Vilano Beach

SubdivisionVillages Of Vilano

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Parcel Number1423850118

ZoningCondominium

Amenities

AmenitiesPool, Basketball Court, Beach Access, Boat Dock, Boat Launch, Boat Slip, Clubhouse, Elevator(s), Fitness Center, Gated, Maintenance Grounds, Management - Off Site, Marina, Pickleball, RV/Boat Storage, Security, Service Elevator(s), Spa/Hot Tub, Tennis Court(s), Trash

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Garage, Underground