This home is in Davis Shores, St. Augustine.

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Active

Active·45 days on market·Davis Shores

312 Alcazar Street

St. Augustine, FL 32080

$495,000$368/sqftEst. $2,516/moMLS# 2149106

Beds

Baths

1,344

Sq Ft

1949

Built

—

Garage

Pool

About this home

Davis Shores

Welcome to the ultimate St. Augustine lifestyle! Tucked into 1 of the city's most walkable neighborhoods, this beautiful home puts you 0.5 mile to the iconic Bridge of Lions & 1 mile to Historic Downtown. Walk around the corner to The Conch House, or take a quick 2 mile drive to the St. Augustine Amphitheatre & beaches. Upgrades include LVP flooring, 2024 HVAC & water heater, new exterior doors, a fully fenced yard, Hardie Board siding with house wrap, & blown-in insulation. This home has been built to endure coastal Florida living. Inside you'll find an open kitchen flowing into a dining space, a family room with a stunning hand-painted mural, a master suite with private en-suite & walk-in shower, 2 additional bedrooms & a screened front porch perfect for morning coffee or afternoon wine. The backyard offers a fire pit, lawn games & room to breathe. A 450-game arcade machine seals the deal. Live here. Vacation here. Invest here. However you envision it, the possibilities are endless!

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,516

Principal & Interest: $2,516

Property taxes (est.): $659

Insurance (est.): $330

Estimated Total Monthly

$3,505

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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.

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$2,516

Property taxesest. at asking price, St. Johns County$659

Estimated total, before insurance$3,175/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: $400,000 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$342,628	$342,628	—
2024	$331,043	$72,123	—
2023	$332,352	$68,566	—
2022	$324,279	$65,113	—
2021	$230,123	$61,760	—
2020	$207,295	$60,217	—

2025 property taxes (current owner): $6,830/yr

Estimated taxes if purchased at asking price: ~$7,900/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.

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 1949)

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: ~1,763 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