Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Active

Active·107 days on market·Davis Shores

3 Solano Avenue

St. Augustine, FL 32080

$874,999$408/sqftEst. $4,498/moMLS# 2145396

Beds

Baths

2,142

Sq Ft

2020

Built

Garage

Pool

About this home

Davis Shores

Presenting an exceptional expression of refined coastal grandeur, 3 Solano Ave is a masterfully designed ''New Coastal'' estate that redefines luxury living in the heart of St. Augustine. Perfectly positioned just moments from the historic splendor of Old Town and the pristine shores of Vilano Beach, this extraordinary residence offers an unparalleled fusion of architectural elegance, cutting-edge sustainability, and resort-inspired sophistication. Every inch of this remarkable turnkey 4-bedroom, 2.5-bath sanctuary has been meticulously curated for the discerning buyer who values timeless craftsmanship, modern innovation, and an elevated lifestyle.

Cost to own

Mortgage calculator

Home Price

$874,999

Down Payment: 20%

$175,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,498

Principal & Interest: $4,498

Property taxes (est.): $1,164

Insurance (est.): $583

Estimated Total Monthly

$6,246

*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$4,498

Property taxesest. at asking price, St. Johns County$1,164

Estimated total, before insurance$5,663/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,450/yr · $537/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	$566,016	$310,065	—
2024	$556,030	$300,619	—
2023	$569,406	$290,407	—
2022	$477,982	$265,810	—
2021	$393,464	$256,612	—
2020	$102,600	$102,600	—

2025 property taxes (current owner): $6,450/yr

Estimated taxes if purchased at asking price: ~$14,000/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 2020)

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

Solar potential: ~1,770 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