This home is in Vilano Beach, St. Augustine.
Active·10 days on market·Vilano Beach
3820 Myrtle Street
St. Augustine, FL 32084
3 more homes for sale in Vilano Beach →Search Vilano Beach on the map
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About this home
Vilano Beach
This beautiful 4-bedroom, 2-bath coastal retreat offers the perfect blend of luxury, comfort, and convenience. Just a 10-minute walk to the beach, 3 minutes to the Intracoastal Waterway for breathtaking sunsets, and only 15 minutes to historic downtown St. Augustine. Spanning approximately 2,500 square feet there are multiple inviting living spaces and an outdoor paved patio perfect for entertaining. The thoughtfully designed floor plan comfortably accommodates large gatherings while maintaining warmth and functionality throughout. The spacious primary suite includes a king-sized bedroom, walk-in closet, and an oversized en-suite bath with soaking tub and separate shower. The stylish kitchen and bathrooms include designer finishes. Outdoor enthusiasts will appreciate the fully fenced yard, boat trailer-friendly driveway, and proximity to the Boating Club Boat Ramp just minutes away. Furniture is negotiable.
Next steps in Vilano Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: material not specified — year not disclosed (home built 1997)
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.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,704 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $714,715 | $714,715 | — |
| 2024 | $696,894 | $681,727 | — |
| 2023 | $653,088 | $619,752 | — |
| 2022 | $563,411 | $563,411 | — |
| 2021 | $401,444 | $401,444 | — |
| 2020 | $396,601 | $396,601 | — |
2025 property taxes (current owner): $10,001/yr
Estimated taxes if purchased at asking price: ~$11,600/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.
History
Price & status history
- Oct 14, 2026Price change$724,700−$25,000
- Oct 5, 2026Active$749,700
- Sep 28, 2026Pending$749,700
- Sep 16, 2026Price change$749,700−$19,300
- Aug 10, 2026Price change$769,000−$29,000
- Jul 13, 2026Price change$798,000−$26,700
- May 22, 2026Listed$824,700
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $352/sq ft; this home is listed at $310/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 502 Twenty-First Street, St. Augustine, FL 32084Listed by COMPASS FLORIDA LLC | Jun 2026 | $820,000 | $323 | 5/3.5 | 2,542 | 31 | 0 |
| 301 Twenty-Second Street, St. Augustine, FL 32084Listed by DEKAY COASTAL PROPERTIES | Aug 2026 | $685,000 | $317 | 3/2 | 2,158 | 84 | 0.1 |
| 511 Twenty-First Street, St. Augustine, FL 32084Listed by NEXTHOME NEW BEGINNINGS | Jun 2026 | $820,000 | $376 | 3/2.5 | 2,183 | 9 | 0.1 |
| 225 Twentieth Street, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $862,500 | $453 | 4/2 | 1,903 | 87 | 0.2 |
| 349 Village Drive, St. Augustine, FL 32084Listed by RE/MAX UNLIMITED | Jun 2026 | $420,000 | $248 | 3/2 | 1,693 | 36 | 0.2 |
| 360 Village Drive, St. Augustine, FL 32084Listed by RE/MAX UNLIMITED | Jun 2026 | $739,000 | $352 | 3/2 | 2,097 | 148 | 0.3 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: SUNCOAST PROPERTY MANAGEMENT LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Vilano Beach
Vilano Beach is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Vilano Beach homes for sale →Keep looking
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines