This home is in Villages Of Vilano, St. Augustine — a gated community home in St. Johns County.
Active·59 days on market·Villages Of Vilano
320 Village Drive D
St. Augustine, FL 32084
About this home
Villages Of Vilano
Welcome to one of the most coveted waterfront residences in the gated Village of Vilano marina community, where luxury coastal living meets the laid-back elegance of Old Florida charm. This listing is for the perfectly positioned as an upper-level end unit overlooking the Intracoastal Waterway AND the option to purchase a 35 foot boat slip. This beautifully renovated 3-bedroom, 3.5-bath residence offers approximately 2,193 square feet of light-filled living space, sunset views, and a rare 35-foot boat slip just steps from your door. Expansive windows and sliding glass doors frame sweeping marina and Intracoastal views, while the soaring two-story great room creates an airy coastal feel designed for both entertaining & everyday living. The move-in ready interior features renovated kitchen & bathrooms, quartz countertops, custom cabinetry, stainless steel appliances, wine refrigeration, designer lighting, and a spacious waterfront primary suite with balcony access and spa-inspired bath.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Last sold: $262,500 in February 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $516,150 | $516,150 | — |
| 2024 | $516,150 | $516,150 | — |
| 2023 | $516,150 | $516,150 | — |
| 2022 | $470,000 | $470,000 | — |
| 2021 | $470,000 | $240,097 | — |
| 2020 | $470,000 | $236,092 | — |
2025 property taxes (current owner): $7,315/yr
Estimated taxes if purchased at asking price: ~$14,400/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 1996)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,810 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 homeAs 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 20, 2026Price change$899,000−$26,000
- Jun 8, 2026Listed$925,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Villages Of Vilano
Villages Of Vilano is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32084.
View all Villages Of Vilano homes for sale →Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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