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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 St. Augustine — a new construction home in St. Johns County.

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Active·Listed today

41 Castillo Vista Way

St. Augustine, FL 32084

$1,554,215$430/sqftEst. $8,541/mo mortgageMLS# 2148723
↓ $125,000 below original list
4
Beds
3.5
Baths
3,613
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone AEHOA $874/moTownhouse4 storiesNew construction

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

St. Augustine

Terrace! The Seabrooke is an exceptional four-story coastal residence offering 4 bedrooms, 3.5 baths, a private in-home elevator, and thoughtfully designed spaces that balance luxury with everyday comfort. As a premium terrace end unit, the home is filled with natural light and enhanced privacy throughout. The main living level showcases an open-concept design where the kitchen, dining, and gathering room flow seamlessly together, highlighted by a striking waterfall kitchen island and elevated coastal-inspired finishes. A private first-floor guest suite with an en-suite bath offers added flexibility and comfort for visitors. Crowning the residence, a private rooftop terrace creates the ultimate outdoor escape--perfect for entertaining, unwinding, and taking in beautiful water views and coastal sunsets. Ideally located in Vilano Beach, this sophisticated home offers a refined coastal lifestyle with effortless lock-and-leave convenience.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$8,541
Property taxesest. at asking price, St. Johns County$2,068
HOAbilled monthly$874
Estimated total, before insurance$11,483/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,554,215
$310,843
Loan Term
Monthly Payment
$8,541
Principal & Interest: $8,541
Property taxes (est.): $2,068
Insurance (est.): $1,036
Estimated Total Monthly
$11,645
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 2026)

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

Solar potential: ~1,669 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$125,000$125,000—

Estimated taxes if purchased at asking price: ~$24,800/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 28, 2026Price change$1,554,215−$125,000
  • Jul 7, 2026Withdrawn$1,679,215
  • Jun 4, 2026Listed$1,679,215

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 $662/sq ft; this home is listed at $430/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
47 Cortez Avenue, St. Augustine, FL 32080Listed by HOUSE & HAVENSep 2026$1,900,000$6624/3.52,8723911.7
45 Cortez Avenue, St. Augustine, FL 32080Listed by HOUSE & HAVENAug 2026$1,925,000$6704/3.52,8723461.7
33 Cortez Avenue, St. Augustine, FL 32080Listed by HOUSE & HAVENNov 2025$1,100,000$3834/3.52,8721071.7

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$1,554,215
Price / Sq Ft$430
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,613
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleTraditional, Other
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

Community Information

Address41 Castillo Vista Way, St. Augustine, FL 32084
Area266-Vilano Beach
SubdivisionVilano Beach
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Parcel Number1481410390

Amenities

AmenitiesMaintenance Grounds
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewIntracoastal, Ocean

Interior

Interior FeaturesEat-in Kitchen, Elevator, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Water Heater, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories4
LevelsThree Or More
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Patio / PorchTerrace
RoofShingle
ConstructionBlock, Fiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 28, 2026
Days on Market0
HOA Fees$874 / Monthly
HOA FrequencyMonthly
HOA NameBreakwater Villas Homeowner Association
HOA Fee IncludesInsurance
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: CENTURY COMMUNITIES OF FLORIDA

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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