This home is in Las Palmas, St. Augustine.

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Active

Active·48 days on market·Las Palmas

1080 Bella Vista Boulevard 13-306

St. Augustine, FL 32084

$225,000$180/sqftEst. $1,198/moMLS# 2147690

Beds

Baths

1,252

Sq Ft

2000

Built

Garage

Pool

About this home

Las Palmas

Welcome to this exceptional third-floor condo residence, complete with a highly coveted 1-car detached garage! Located within a secure, gated community that perfectly blends ultimate privacy with an unparalleled coastal lifestyle, you are just a short drive from beach days, pristine parks, and boat ramps, and minutes from Historic Downtown. Tucked quietly at the back of the property, this unit offers elevated views, no overhead neighbors, and a peaceful retreat.

Cost to own

Mortgage calculator

Home Price

$225,000

Down Payment: 20%

$45,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,144

Principal & Interest: $1,144

Est. Taxes & Insurance: $286

Estimated Total Monthly

$1,430

*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$1,198

Property taxesest. at asking price, St. Johns County$299

HOAbilled monthly$422

Estimated total, before insurance$1,919/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	$224,000	$224,000	—
2024	$216,000	$216,000	—
2023	$245,520	$212,300	—
2022	$193,000	$193,000	—
2021	$148,000	$147,400	—
2020	$134,000	$134,000	—

2025 property taxes (current owner): $4,478/yr

Estimated taxes if purchased at asking price: ~$3,600/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.

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: material not specified — year not disclosed (home built 2000)

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

Likely sewer · utiity sewer proximity · Public water · utiity water proximity

County records indicate this parcel on central sewer served by utiity sewer proximity — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,824 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