This home is in St. Augustine.

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Active

Active·56 days on market

407 Pomont Avenue

St. Augustine, FL 32084

$379,000$223/sqftEst. $2,017/moMLS# 2146407

Beds

Baths

1,703

Sq Ft

1990

Built

—

Garage

Pool

About this home

St. Augustine

Welcome home to this charming 3-bedroom, 2-bath residence conveniently located just minutes from downtown! This beautifully maintained home features a newer metal roof, a 2024 HVAC system, and a 2024 water heater, offering peace of mind for years to come. Inside, you'll find updated stainless steel appliances that complement the functional and inviting kitchen space. Step outside and enjoy the ultimate backyard retreat with a spacious covered porch complete with a cozy wood-burning fireplace and a built-in pizza oven -- perfect for entertaining family and friends year-round. The large, fully fenced backyard provides plenty of room for pets, play, or gardening. In the front, a generously sized covered patio creates the perfect spot to relax and unwind. This home combines comfort, updates, and outdoor living all in one fantastic location!

Cost to own

Mortgage calculator

Home Price

$379,000

Down Payment: 20%

$75,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,926

Principal & Interest: $1,926

Est. Taxes & Insurance: $482

Estimated Total Monthly

$2,408

*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$2,017

Property taxesest. at asking price, St. Johns County$504

Estimated total, before insurance$2,522/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	$276,212	$235,047	—
2024	$269,637	$213,679	—
2023	$272,436	$194,254	—
2022	$254,924	$176,595	—
2021	$166,800	$160,541	—
2020	$151,310	$145,946	—

2025 property taxes (current owner): $3,771/yr

Estimated taxes if purchased at asking price: ~$6,100/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 1990)

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

Likely septic · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,759 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