Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in North Beach, St. Augustine — a home near St. Augustine High School.

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Active Under Contract

Active Under Contract·90 days on market·North Beach

225 Twentieth Street

St. Augustine, FL 32084

$895,000$470/sqftEst. $4,601/moMLS# 2148227

Beds

Baths

1,903

Sq Ft

2020

Built

Garage

Pool

About this home

North Beach

OPEN HOUSE & NEW PRICE Saturday August 22, 1-3pm! Now is your chance to experience the best of coastal living in this beautifully maintained single-story 4-bedroom, 2-bath home in North Beach, St. Augustine. Located just one lot off A1A with direct beach access steps away, this home offers the perfect blend of comfort, convenience, and beachside charm. Thoughtfully custom built in 2020 by the original owners, the home was designed to bring the outdoors in. Expansive 8-foot double doors throughout the living room and primary suite create an open, airy flow that makes everyday living feel seamlessly connected to the coastal surroundings. Natural light fills the open-concept living space, creating a bright and inviting atmosphere perfect for relaxing or entertaining after a day at the beach. Built high and dry, this home has never flooded, offering added peace of mind. Step outside to your private fully fenced backyard featuring spacious decking, green space, and an outdoor shower-

Cost to own

Mortgage calculator

Home Price

$895,000

Down Payment: 20%

$179,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,601

Principal & Interest: $4,601

Property taxes (est.): $1,191

Insurance (est.): $597

Estimated Total Monthly

$6,389

*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$4,601

Property taxesest. at asking price, St. Johns County$1,191

Estimated total, before insurance$5,792/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,082/yr · $507/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	$771,402	$413,088	—
2024	$750,636	$400,739	—
2023	$696,444	$387,611	—
2022	$603,862	$374,865	—
2021	$412,490	$362,490	—
2020	$165,000	$165,000	—

2025 property taxes (current owner): $6,082/yr

Estimated taxes if purchased at asking price: ~$14,300/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 — year not disclosed (home built 2020)

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

Solar potential: ~1,646 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

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

Price & status history

Aug 27, 2026Active Under Contract$895,000
Aug 14, 2026Price change$895,000−$30,000
Jul 22, 2026Active$925,000
Jul 16, 2026Active Under Contract$925,000
Jun 2, 2026Listed$925,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$895,000

Price / Sq Ft$470

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,903

Total Structure Area2,805 sq ft

Acres0.23 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address225 Twentieth Street, St. Augustine, FL 32084

Area266-Vilano Beach

SubdivisionNorth Beach

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size10,018.8 sq ft

Parcel Number1461590190

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, RV Access/Parking

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

Spa FeaturesHeated, Above Ground, Private