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This home is in St. Augustine — a home near St. Augustine High School.

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Active

Active·112 days on market

1529 Vista Cove Road

St. Augustine, FL 32084

$275,000$190/sqftEst. $1,414/moMLS# 2144485

Beds

Baths

1,448

Sq Ft

1998

Built

—

Garage

Pool

About this home

St. Augustine

Experience peaceful waterfront living in the heart of St. Augustine at Vista Cove -- a beautifully designed 67-acre gated riverfront community surrounded by the San Sebastian River, marshes, forests, walking paths, and boardwalks. This second-floor 3-bedroom, 2-bath condominium offers approximately 1,500 square feet of thoughtfully designed living space with tranquil marsh and water views from every window. Relax year-round on the glassed and screened lanai while enjoying peaceful natural scenery and exceptional privacy. Vista Cove is known for its beautifully preserved setting, elegant clubhouse, heated pool, fitness center, riverfront fishing pier, and pet-friendly atmosphere welcoming two pets with no weight or breed restrictions. Unlike many larger Florida condominiums, Vista Cove's low-rise construction is not subject to the more stringent Structural Integrity Reserve Study and Milestone Inspection requirements affecting many high-rise communities.

Cost to own

Mortgage calculator

Home Price

$275,000

Down Payment: 20%

$55,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,414

Principal & Interest: $1,414

Property taxes (est.): $366

Insurance (est.): $183

Estimated Total Monthly

$1,963

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$1,414

Property taxesest. at asking price, St. Johns County$366

HOAbilled monthly$578

Estimated total, before insurance$2,358/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,991/yr · $416/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, 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	$260,000	$244,505	—
2024	$265,050	$222,277	—
2023	$265,050	$202,070	—
2022	$208,000	$183,700	—
2021	$167,000	$167,000	—
2020	$157,000	$157,000	—

2025 property taxes (current owner): $4,991/yr

Estimated taxes if purchased at asking price: ~$4,400/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 1998)

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

Likely sewer · utiity sewer proximity · Public water · utiity water proximity

County records indicate this parcel on central sewer served by utiity sewer proximity — no septic system to inspect or maintain.

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

Solar potential: ~1,827 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

As 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 28, 2026Price change$275,000−$24,000
May 10, 2026Listed$299,000

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

Features

Price$275,000

Price / Sq Ft$190

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,448

Total Structure Area1,592 sq ft

Year Built1998

TypeResidential

Sub-TypeCondominium

StyleContemporary, Flat

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Direction FacesNorth

School Information

ElementaryCrookshank

MiddleMurray

HighSt. Augustine

Community Information

Address1529 Vista Cove Road, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionVista Cove

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot DimensionsCommon

Parcel Number0941511529

ZoningCondominium

Amenities

AmenitiesPool, Cable TV, Car Wash Area, Children's Pool, Clubhouse, Fitness Center, Maintenance Grounds, Maintenance Structure, Management - Part Time, Management- On Site, RV/Boat Storage

UtilitiesCable Available, Cable Connected, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingParking Lot, RV Access/Parking, Unassigned

ViewPond, Trees/Woods

Waterfront TypeMarsh, Pond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Separate Meters

FlooringCarpet, Tile

# of Stories1

LevelsTwo

LaundryIn Unit

SecurityFirewall(s), Secured Lobby, Security Gate, Smoke Detector(s)

Spa FeaturesCommunity