Active·54 days on market
108 E Street A B
St. Augustine Beach, FL 32080
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
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, 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 | $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 · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: 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 homeInformational 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
Price & status history
- Jul 7, 2026Price change$995,000−$30,000
- May 22, 2026Listed$1,025,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: US REALTY HUB
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines