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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Sold

Sold·Closed Oct 2, 2026·87 days on market·Recent sales in Vilano Beach·Vilano Beach

225 Twentieth Street

St. Augustine, FL 32084

$862,500sold priceListed at $895,000 · 96.4% of asking$453/sqftMLS# 2148227
4
Beds
2
Baths
1,903
Sq Ft
2020
Built
2
Garage
No
Pool

18 more homes for sale in Vilano Beach →Search Vilano Beach on the map

FEMA Zone AENo HOA10,019 sqft lotSingle Family Residence1 story

About this home

Vilano 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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,777
Property taxesest. at asking price, St. Johns County$1,148
Estimated total, before insurance$5,925/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$862,500
$172,500
Loan Term
Monthly Payment
$4,777
Principal & Interest: $4,777
Property taxes (est.): $1,148
Insurance (est.): $575
Estimated Total Monthly
$6,500
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:28 AM, sunset 6:54 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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: ~$13,800/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.

History

Price & status history

  • Oct 2, 2026Closed$895,000
  • Sep 29, 2026Pending$895,000
  • 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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $376/sq ft; this home is listed at $470/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
301 Twenty-Second Street, St. Augustine, FL 32084Listed by DEKAY COASTAL PROPERTIESAug 2026$685,000$3173/22,158840.1
511 Twenty-First Street, St. Augustine, FL 32084Listed by NEXTHOME NEW BEGINNINGSJun 2026$820,000$3763/2.52,18390.2
404 Fourteenth Street, St. Augustine, FL 32084Listed by THE NEWCOMER GROUPSep 2026$712,500$4063/2.51,7531340.3
609 Twenty Second Street, St. Augustine, FL 32084Listed by LINWARD REALTY, LLCMay 2026$1,100,000$6114/3.51,800120.3
349 Village Drive, St. Augustine, FL 32084Listed by RE/MAX UNLIMITEDJun 2026$420,000$2483/21,693360.4
360 Village Drive, St. Augustine, FL 32084Listed by RE/MAX UNLIMITEDJun 2026$739,000$3523/22,0971480.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

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
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

School Information

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

Exterior

Exterior FeaturesImpact Windows, Outdoor Shower
Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Deck, Porch, Rear Porch, Side Porch
FencingBack Yard, Wood
RoofShingle
ConstructionFiber Cement
Other StructuresShed(s)
Road SurfaceAsphalt

Additional Information

Date ListedJune 2, 2026
Days on Market87
Tax Amount$6,082.41
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Sold by: JPAR CITY AND BEACH (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Vilano Beach

Vilano Beach is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Vilano Beach homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 2, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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