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Pending

Pending·40 days on market

9 Saragossa Street

St. Augustine, FL 32084

$949,000$459/sqftEst. $5,051/moMLS# 2147750

Beds

Baths

2,067

Sq Ft

1920

Built

—

Garage

Pool

About this home

St. Augustine

Turnkey Triplex in the Heart of Historic St. Augustine. Fully Remodeled, Fully Furnished & Proven Income Producer From Day One. Every inch of this 1920-built property has been thoughtfully updated new finishes, updated systems, and a design sensibility that earns the kind of five-star reviews that keep the calendar full. With $130,000-$150,000 in proven gross annual STR revenue, the numbers speak for themselves. The reviews back it up. The repeat guests prove it. Sold fully furnished, this is a true plug-and-play investment. Walk in, hand over the keys, and let it work for you or hold it for personal use and let it pay for itself when you're not there. Step outside and you'll find one of the property's most exciting untapped opportunities: a generous yard with seri

Cost to own

Mortgage calculator

Home Price

$949,000

Down Payment: 20%

$189,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,794

Principal & Interest: $4,794

Est. Taxes & Insurance: $1,198

Estimated Total Monthly

$5,992

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$5,051

Property taxesest. at asking price, St. Johns County$1,263

Estimated total, before insurance$6,314/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	$506,016	$506,016	—
2024	$496,011	$486,484	—
2023	$493,237	$442,258	—
2022	$470,038	$402,053	—
2021	$365,503	$365,503	—
2020	$344,346	$344,346	—

2025 property taxes (current owner): $10,066/yr

Estimated taxes if purchased at asking price: ~$15,200/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 1920)

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

Solar potential: ~1,630 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.