This home is in St. Augustine Beach.

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Active

Active·47 days on market

315 Ridgeway Road

St. Augustine Beach, FL 32080

$1,250,000$564/sqftEst. $6,354/moMLS# 2148228

Beds

Baths

2,218

Sq Ft

2022

Built

2.5

Garage

Pool

About this home

St. Augustine Beach

Welcome to 315 Ridgeway Rd, a stunning, like-new 4-bedroom, 3-bathroom residence in the highly coveted Ocean Ridge community of St. Augustine Beach. Built in 2022 and thoughtfully curated by its current owner, this 2,218 square foot home delivers refined design, artful detail, and effortless coastal living. From the moment you arrive, the home makes an impression. A paver driveway, impeccably landscaped yard, and charming front porch set a welcoming tone. Step inside to a soaring great room with vaulted ceilings and an open floor plan bathed in natural light. A carefully chosen color palette flows seamlessly throughout, a harmonious blend of warm neutrals and coastal tones that feels sophisticated and inviting, tying every room together with understated elegance. The kitchen is a true centerpiece, featuring quartz countertops, white shaker cabinetry, stainless appliances, a gas cooktop

Cost to own

Mortgage calculator

Home Price

$1,250,000

Down Payment: 20%

$250,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$6,354

Principal & Interest: $6,354

Est. Taxes & Insurance: $1,588

Estimated Total Monthly

$7,942

*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 · 6.55% · 30yr$6,354

Property taxesest. at asking price, St. Johns County$1,663

HOAbilled semi-annually$167

Estimated total, before insurance$8,184/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

Last sold: $1,200,000 in June 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,071,317	$1,020,595	—
2024	$1,035,881	$985,881	—
2023	$1,035,881	$969,926	—
2022	$319,200	$231,000	—
2021	$210,000	$210,000	—
2020	$210,000	$210,000	—

2025 property taxes (current owner): $17,057/yr

Estimated taxes if purchased at asking price: ~$20,000/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 2022)

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

Solar potential: ~1,667 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