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This home is in Davis Shores, St. Augustine.

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Active

Active·101 days on market·Davis Shores

4 Sanchez Cove Avenue

St. Augustine, FL 32080

$685,000$494/sqftEst. $3,522/moMLS# 2146501

Beds

Baths

1,388

Sq Ft

1968

Built

Garage

Pool

About this home

Davis Shores

Davis Shores Gem on Salt Run! Fully Updated & High-And-Dry! Discover a coastal cottage perched on two water-view lots along the Salt Run on Anastasia Island. This home offers dramatic water views and a prime location just 1.2 miles from the Bridge of Lions and the historic district. Extensive recent updates offer ultimate peace of mind, including a new roof (2023), new water heater (2023), and a completely renovated primary bathroom (2025). The interior and exterior have both been recently painted, and the kitchen features new countertops (2023). Enjoy a fully fenced front yard for added privacy, alongside a brand-new back deck and an extended paver patio perfect for outdoor entertaining. Best of all, this rare island property is located in a Non-Flood Zone and has never flooded. Offered fully furnished (minus select artistic decor), this move-in-ready paradise is a must-see!

Cost to own

Mortgage calculator

Home Price

$685,000

Down Payment: 20%

$137,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,522

Principal & Interest: $3,522

Property taxes (est.): $912

Insurance (est.): $457

Estimated Total Monthly

$4,890

*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$3,522

Property taxesest. at asking price, St. Johns County$912

Estimated total, before insurance$4,433/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,945/yr · $912/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

Last sold: $627,000 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$551,996	$551,996	—
2025	$253,095	$119,161	—
2024	$545,215	$545,215	—
2024	$253,106	$108,329	▼ $378
2023	$582,296	$381,722	—
2023	$208,317	$98,481	▼ $25,810
2022	$441,429	$347,020	—
2022	$89,529	$89,529	—
2021	$346,351	$315,473	—
2021	$87,941	$87,941	▼ $3,871
2020	$286,794	$286,794	—
2020	$123,824	$123,824	—

2025 property taxes (current owner): $10,945/yr

Estimated taxes if purchased at asking price: ~$10,900/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: Metal — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Septic system (public record) · 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: ~1,689 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