This home is in Davis Shores, St. Augustine.

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Active Under Contract

Active Under Contract·45 days on market·Davis Shores

113 Menendez Road

St. Augustine, FL 32080

$425,000$313/sqftEst. $2,160/moMLS# 2149036

Beds

Baths

1,357

Sq Ft

1954

Built

Garage

Pool

About this home

Davis Shores

Move-in ready and fully renovated, this 3 bedroom, 1 bathroom home in Davis Shores offers updated systems, flexible living space, and a location minutes from downtown St. Augustine and the beaches. Renovations completed in 2026 include a new HVAC system, updated electrical and plumbing, new windows, new water heater, updated appliances, and a 2025 roof, helping reduce immediate maintenance concerns for the next owner. Originally built in 1954, the home offers 1,357 square feet with an open living, dining, and kitchen layout designed for practical everyday living and entertaining. The renovated kitchen features granite countertops, updated appliances, and modern finishes. An enclosed sunroom adds valuable flex space ideal for a home office, second living area, gym, or workspace. Block construction, a 1-car garage, fenced backyard, and covered patio provide functionality both inside and out. No HOA.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,160

Principal & Interest: $2,160

Est. Taxes & Insurance: $540

Estimated Total Monthly

$2,700

*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$2,160

Property taxesest. at asking price, St. Johns County$566

Estimated total, before insurance$2,726/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	$366,569	$366,569	—
2024	$377,187	$25,075	—
2023	$384,278	$22,743	—
2022	$320,665	$24,979	—
2021	$204,325	$25,000	—
2020	$184,316	$25,000	—

2025 property taxes (current owner): $7,296/yr

Estimated taxes if purchased at asking price: ~$6,800/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.

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: Metal — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,610 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