This home is in Buena Esperanza, St. Augustine.

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Active

Active·45 days on market·Buena Esperanza

315 Riberia Street

St. Augustine, FL 32084

$689,000$486/sqftEst. $3,667/moMLS# 2148580

Beds

Baths

1,417

Sq Ft

2022

Built

—

Garage

Pool

About this home

Buena Esperanza

Welcome to 315 Riberia Street, a beautifully designed contemporary home built in 2022 and located in one of St. Augustine's most sought-after areas. Offering 2 bedrooms, 2 full baths, and 1 half bath across 1,417 square feet, this fully furnished, turnkey property is currently operating as a successful vacation rental and is zoned RG-1, allowing for nightly rentals within theCity of St. Augustine. Inside, you'll find an open-concept floor plan filled with natural light, elevated ceilings, and modern finishes throughout. The spacious kitchen features a large island, ample cabinetry, and seamless flow into the living and dining areas--perfect for entertaining guests or relaxing after a day exploring downtown. Enjoy peaceful evenings on the front porch watching spectacular sunsets over the San Sebastian River, or gather with friends and family beneath the backyard pergola.

Cost to own

Mortgage calculator

Home Price

$689,000

Down Payment: 20%

$137,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,502

Principal & Interest: $3,502

Est. Taxes & Insurance: $876

Estimated Total Monthly

$4,378

*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$3,667

Property taxesest. at asking price, St. Johns County$917

Estimated total, before insurance$4,584/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: $649,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$539,245	$539,245	—
2024	$523,495	$523,495	—
2023	$553,644	$553,644	—
2022	$331,296	$331,296	—
2021	$282,750	$282,750	—

2025 property taxes (current owner): $10,655/yr

Estimated taxes if purchased at asking price: ~$11,000/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 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: material not specified — year not disclosed (home built 2022)

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

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: ~1,819 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