This home is in St. Augustine.

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Active

Active·48 days on market

5 Beacon Street

St. Augustine, FL 32084

$380,000$309/sqftEst. $2,023/moMLS# 2147747

Beds

Baths

1,228

Sq Ft

1952

Built

Garage

Pool

About this home

St. Augustine

Location, location, location and this one delivers. Situated near the marsh with easy access to historic uptown/downtown St. Augustine, this three bedroom split floor plan home offers the kind of setting that's increasingly hard to find. Built to last with solid concrete block construction, the home features vinyl flooring & a layout that gives everyone their own space. AC updated in 2022 & water heater updated in 2017 & Roof in 2010. Enjoy the freedom of no HOA, a well for irrigation to keep your outdoor space thriving & the quiet charm of living just moments from the energy of downtown. A spacious backyard & one-car garage add to the appeal, offering room to breathe, & make it your own. Whether you're a first-time buyer, looking to simplify, or seeking a smart addition to your portfolio, this is St. Augustine living at an accessible entry point.

Cost to own

Mortgage calculator

Home Price

$380,000

Down Payment: 20%

$76,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,931

Principal & Interest: $1,931

Est. Taxes & Insurance: $483

Estimated Total Monthly

$2,414

*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$2,023

Property taxesest. at asking price, St. Johns County$506

Estimated total, before insurance$2,528/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	$372,716	$0	—
2025	$500,321	$281,286	▲ $40,136
2024	$388,227	$0	—
2024	$460,940	$272,652	▼ $281
2023	$393,292	$0	—
2023	$406,668	$263,255	—
2022	$383,340	$0	—
2022	$391,476	$254,132	▼ $1,732
2021	$255,921	$0	—
2021	$335,523	$245,274	—
2020	$251,338	$0	—
2020	$320,205	$241,198	—

2025 property taxes (current owner): $302/yr

Estimated taxes if purchased at asking price: ~$6,100/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: Shingle — 2010 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,618 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