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This home is in Biera Mar, St. Augustine.

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Active

Active·95 days on market·Biera Mar

5069 Alta Vista Avenue

St. Augustine, FL 32080

$999,900$566/sqftEst. $5,141/moMLS# 2147311

Beds

Baths

1,768

Sq Ft

1983

Built

—

Garage

Pool

About this home

Biera Mar

Beachside in Biera Mar! Just minutes from the beach in a quiet residential neighborhood, this versatile coastal retreat offers the perfect blend of privacy, comfort, and convenience. Designed with flexible living spaces ideal for families, couples, multigenerational living, or vacation rental potential, the property features multiple private sleeping areas, spacious outdoor living, and easy access to all that St. Augustine has to offer. The main living area is located on the second floor and features a bright open-concept design filled with natural light. The spacious living room flows seamlessly into the fully equipped kitchen and dining area, creating an inviting gathering space for entertaining or relaxing after a day at the beach. Two sets of French doors open to a large wraparound deck, allowing for refreshing ocean breezes and effortless indoor-outdoor living.

Cost to own

Mortgage calculator

Home Price

$999,900

Down Payment: 20%

$199,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,141

Principal & Interest: $5,141

Property taxes (est.): $1,331

Insurance (est.): $667

Estimated Total Monthly

$7,138

*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$5,141

Property taxesest. at asking price, St. Johns County$1,331

Estimated total, before insurance$6,471/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,782/yr · $732/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	$624,595	$624,595	—
2024	$596,770	$596,770	—
2023	$559,777	$559,777	—
2022	$529,152	$529,152	—
2021	$385,447	$385,447	—
2020	$283,696	$283,696	—

2025 property taxes (current owner): $8,782/yr

Estimated taxes if purchased at asking price: ~$16,000/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 1983)

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. Municipal drinking water from St Johns County Utilities - water accounts per the county inventory.

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

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