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Active

Active·99 days on market

108 E Street A B

St. Augustine Beach, FL 32080

$995,000$576/sqftEst. $5,115/moMLS# 2146780

Beds

Baths

1,728

Sq Ft

1985

Built

—

Garage

Pool

About this home

St. Augustine Beach

One block from St. Augustine Beach along the ''golden mile'' of A1A Beach Blvd, Turtle Cove is a beautifully renovated duplex offering the rare blend of coastal living and proven investment performance. Located on a quiet street in Flood Zone X, both sides feature quality renovations, stainless-steel appliances, and brand-new HVAC systems. Side A offers 2 bedrooms, 1 bath, private fenced yard with chiminea, outdoor shower, patio laundry, screened patio, and double front balcony. Side B offers 2 bedrooms, 1.5 baths, landscaped private fenced yard, outdoor shower, patio laundry, back patio, and double balcony. Designed for flexibility, the shared fence and balcony can remain separated for complete guest privacy or opened up to create one expansive gathering space perfect for groups. Commercially zoned for nightly rentals, Turtle Cove generates approximately $80,000 annually with exceptional guest ratings.

Cost to own

Mortgage calculator

Home Price

$995,000

Down Payment: 20%

$199,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,115

Principal & Interest: $5,115

Property taxes (est.): $1,324

Insurance (est.): $663

Estimated Total Monthly

$7,103

*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$5,115

Property taxesest. at asking price, St. Johns County$1,324

Estimated total, before insurance$6,439/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,029/yr · $752/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

Year	Market value	Taxable value	Change
2025	$482,894	$482,894	—
2024	$480,394	$449,557	—
2023	$470,745	$408,688	—
2022	$426,669	$371,535	—
2021	$337,759	$337,759	—
2020	$332,390	$332,390	—

2025 property taxes (current owner): $9,029/yr

Estimated taxes if purchased at asking price: ~$15,900/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: Shingle — year not disclosed (home built 1985)

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

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from St Johns County Utilities - water accounts per the county inventory.

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

Solar potential: ~1,788 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