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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 — an oceanfront home in Northeast Florida.

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Sold

Sold·Closed Sep 18, 2026·77 days on market·Recent sales in Vilano Beach·Vilano Beach

4 Viejo Street

St. Augustine, FL 32084

$1,936,000sold priceListed at $1,950,000 · 99.3% of asking$771/sqftMLS# 2148915
4
Beds
3.5
Baths
2,510
Sq Ft
1987
Built
3
Garage
No
Pool

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

FEMA Zone AENo HOA8,712 sqft lotWaterfrontSingle Family Residence3 stories

About this home

Vilano Beach

Highly elevated, this Direct Ocean Front home offers expansive views overlooking the ocean, inlet AND downtown St Augustine. Stunning cathedral ceilings and floor to ceiling windows offer breathtaking views of the Atlantic. A fully renovated white kitchen opens to the living and dining room and offers views to the north and east. The spacious master opens to a 2nd story roof top deck with unmatched views of the inlet and downtown St Augustine. Passing boats are an alluring vision... And there is no better spot to enjoy the 4th of July fireworks. Upstairs, a 2nd master suite and an office loft will make working from home a pleasure. On the bottom floor there is separate in law suite with 2 bedrooms, a kitchenette and bonus room. A multitude of decks offering 360degree views make this home truly special. 3 Car Garage! Short term rentals allowed.

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$10,724
Property taxesest. at asking price, St. Johns County$2,576
Estimated total, before insurance$13,300/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$16,778/yr · $1,398/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

$1,936,000
$387,200
Loan Term
Monthly Payment
$10,724
Principal & Interest: $10,724
Property taxes (est.): $2,576
Insurance (est.): $1,291
Estimated Total Monthly
$14,590
*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: material not specified — year not disclosed (home built 1987)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,812 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$1,223,788$1,203,821—
2025$754,508$365,466—
2024$1,148,310$1,094,383—
2024$696,352$354,459▲ $13,710
2023$1,156,999$994,894—
2023$719,429$342,679—
2022$1,062,051$904,449—
2022$687,975$331,242—
2021$822,226$822,226—
2021$508,119$320,138—
2020$749,628$749,628—
2020$388,568$315,028▼ $29,586

2025 property taxes (current owner): $16,778/yr

Estimated taxes if purchased at asking price: ~$30,900/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

  • Sep 18, 2026Closed$1,950,000
  • Aug 30, 2026Active Under Contract$1,950,000
  • Jun 5, 2026Listed$1,950,000

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 $590/sq ft; this home is listed at $777/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
510 Porpoise Point Drive, St. Augustine, FL 32084Listed by PONTE VEDRA CLUB REALTY, INC.Jun 2026$1,402,500$6424/32,18470.1
80 Ferrol Road, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJul 2026$1,350,000$5903/32,2901720.2
80 Seaside Capers Road, St. Augustine, FL 32084Listed by UNITED REAL ESTATE GALLERYJul 2026$1,050,000$4214/42,495590.4
111 Porpoise Point Drive, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJun 2026$930,500$4233/32,200350.4
3180 Coastal Highway, St. Augustine, FL 32084Listed by GREEN PALM REALTY & PROPERTY MANAGEMENTSep 2026$1,400,000$7364/31,902581
74 N St Augustine Boulevard, St. Augustine, FL 32080Listed by NON MLS (realMLS)Jun 2026$730,000$2683/22,726561.4

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$1,950,000
Price / Sq Ft$777
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,510
Acres0.20 acres
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes

Community Information

Address4 Viejo Street, St. Augustine, FL 32084
Area266-Vilano Beach
SubdivisionVilano Beach
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size8,712 sq ft
Parcel Number1486200000

Amenities

UtilitiesElectricity Connected, Water Connected
Water SourcePublic
ParkingGarage
Waterfront TypeOcean Front

Interior

AppliancesDishwasher, Dryer, Washer
HeatingCentral, Electric
CoolingElectric
# of Stories3

Additional Information

Date ListedJune 5, 2026
Days on Market77
Tax Amount$16,777.63
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ENGEL & VOLKERS ST AUGUSTINE

Sold by: JOHN WOLFEL REAL ESTATE LLC (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 Sep 18, 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

Is this home priced right?

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