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 St. Augustine — a home near St. Augustine High School.

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Active

Active·100 days on market

980 N Volusia Street

St. Augustine, FL 32084

$328,000$231/sqftEst. $1,686/moMLS# 2146124

Beds

Baths

1,420

Sq Ft

2014

Built

—

Garage

Pool

About this home

St. Augustine

CUTE AS A BUTTON!!! This 3 bedroom/2 bathroom home sits on a corner lot with a fenced back yard. Relax in the screened lanai and watch the kids/dogs play. The primary bedroom has an ensuite bathroom with a large soaker tub for relaxing baths. Shiplap detail in the living/dining area produces a beachy feel. Solar panels assist with modest utility bills. A ten minute drive gets you to the heart of downtown St. Augustine and all the activities, dining, shopping, music, and sightseeing. From there, a trip over The Bridge of Lions takes you to incredible beaches, parks, and concert venue. Enjoy this property year-round, as a part-time second home, or as rental investment.

Cost to own

Mortgage calculator

Home Price

$328,000

Down Payment: 20%

$65,600

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,686

Principal & Interest: $1,686

Property taxes (est.): $436

Insurance (est.): $219

Estimated Total Monthly

$2,341

*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$1,686

Property taxesest. at asking price, St. Johns County$436

Estimated total, before insurance$2,123/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.

Cost to own

Taxes & assessment

Last sold: $312,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$276,333	$276,333	—
2025	$239,170	$84,382	—
2024	$282,084	$282,084	—
2024	$221,076	$81,297	▲ $7,811
2023	$265,538	$196,947	—
2023	$221,033	$77,473	▲ $6,547
2022	$239,754	$189,754	—
2022	$205,363	$73,761	▲ $21,364
2021	$176,152	$115,628	—
2021	$155,415	$70,157	—
2020	$163,341	$113,341	—
2020	$140,315	$68,499	▲ $5,456

Estimated taxes if purchased at asking price: ~$5,200/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2014)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,783 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