This home is in St. Augustine.

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Active

Active·45 days on market

4 Viejo Street

St. Augustine, FL 32084

$1,950,000$777/sqftEst. $9,912/moMLS# 2148915

Beds

Baths

2,510

Sq Ft

1987

Built

Garage

Pool

About this home

St. Augustine

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

Mortgage calculator

Home Price

$1,950,000

Down Payment: 20%

$390,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$9,912

Principal & Interest: $9,912

Est. Taxes & Insurance: $2,478

Estimated Total Monthly

$12,390

*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$9,912

Property taxesest. at asking price, St. Johns County$2,595

Estimated total, before insurance$12,506/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

Year	Market value	Taxable value	Change
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: ~$31,100/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 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.

History