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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 Crescent Beach a home near Pedro Menendez High School.

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Active

Active·59 days on market

8130 A1A J12

Crescent Beach, FL 32080

$395,000$329/sqftEst. $2,014/moMLS# 2149311
2
Beds
1
Baths
1,202
Sq Ft
1975
Built
Garage
No
Pool

About this home

Crescent Beach

Wake up to ocean views from this beautifully updated, fully furnished 2-bedroom condo in the highly sought-after Crescent Beach. Located in the popular Four Winds community, this turnkey retreat offers the perfect blend of comfort, convenience, and coastal charm. If you want to use the property as a second home or in investment capital, the on-site management team at Four Winds can assist. Home direct beach access via 2 dune walkovers. A large gathering space, washer and dryer and a North-East facing covered patio with a partial ocean view. An updated kitchen with granite counters,& stainless steel appliances. Two spacious second level bedrooms. The property has two heated pools along with tennis courts and is income generating for the current owner. Home is being sold with all the furnishings and contents. located just minutes from historic Saint Augustine

Cost to own

Mortgage calculator

$395,000
$79,000
Loan Term
Monthly Payment
$2,014
Principal & Interest: $2,014
Property taxes (est.): $526
Insurance (est.): $263
Estimated Total Monthly
$2,803
*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,014
Property taxesest. at asking price, St. Johns County$526
HOAbilled monthly$772
Estimated total, before insurance$3,312/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,544/yr · $379/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).

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$336,000$336,000
2024$397,600$312,519
2023$411,361$284,108
2022$286,500$258,280
2021$234,800$234,800
2020$218,300$218,300

2025 property taxes (current owner): $4,544/yr

Estimated taxes if purchased at asking price: ~$6,300/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 X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Tile — year not disclosed (home built 1975)

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

Sewer & public water · St Johns County Utilities

County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.

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

Solar potential: ~1,804 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

Price & status history

  • Jul 21, 2026Price change$395,000$15,000
  • Jun 7, 2026Listed$410,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$395,000
Price / Sq Ft$329
Bedrooms2
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage1,202
Year Built1975
TypeResidential
Sub-TypeCondominium
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address8130 A1A J12, Crescent Beach, FL 32080
Area332-Crescent Beach/Summer Haven
SubdivisionFour Winds
CityCrescent Beach
CountySt. Johns
StateFL
Zip Code32080
Parcel Number1862190120

Amenities

AmenitiesPool, Management- On Site, Tennis Court(s)
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking
ViewOcean
Waterfront TypeOcean Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
SecuritySmoke Detector(s)

Exterior

Patio / PorchPatio
RoofTile
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 8, 2026
Days on Market44
HOA Fees$772 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Sewer, Trash, Water
Tax Amount$4,544.47
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FIRST COAST REALTY OF JACKSONVILLE INC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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