This home is in St. Augustine.

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Active

Active·55 days on market

3820 Myrtle Street

St. Augustine, FL 32084

$798,000$342/sqftEst. $4,247/moMLS# 2146702

Beds

Baths

2,334

Sq Ft

1997

Built

Garage

Pool

About this home

St. Augustine

Located in the heart of desirable 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.

Cost to own

Mortgage calculator

Home Price

$798,000

Down Payment: 20%

$159,600

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,056

Principal & Interest: $4,056

Est. Taxes & Insurance: $1,014

Estimated Total Monthly

$5,070

*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$4,247

Property taxesest. at asking price, St. Johns County$1,062

Estimated total, before insurance$5,309/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	$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: ~$12,700/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: material not specified — year not disclosed (home built 1997)

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

Likely septic

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: ~1,704 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 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