This home is in Davis Shores, St. Augustine.

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Active

Active·45 days on market·Davis Shores

111 Ferdinand Avenue

St. Augustine, FL 32080

$465,000$460/sqftEst. $2,371/moMLS# 2149509

Beds

Baths

1,010

Sq Ft

1984

Built

Garage

Pool

About this home

Davis Shores

Welcome to this beautifully updated 2 bedroom, 2 bathroom concrete block home, perfectly situated to capture breathtaking marsh views and iconic vistas of the St. Augustine Lighthouse--all from your screened-in front porch! Fully renovated in 2017, this move-in-ready gem features modern tile flooring, an open-concept kitchen with custom soft-closing cabinetry, granite countertops, and stainless steel appliances. Cozy up in the spacious living area, complete with a wood-burning fireplace and built-in shelving, perfect for showcasing your favorite books or décor. The spacious primary suite offers an updated en suite bathroom with a walk-in shower, providing a private retreat after a day spent exploring nearby historic downtown or the beach. The second bedroom is spacious with plenty of storage.

Cost to own

Mortgage calculator

Home Price

$465,000

Down Payment: 20%

$93,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,371

Principal & Interest: $2,371

Property taxes (est.): $619

Insurance (est.): $310

Estimated Total Monthly

$3,300

*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$2,371

Property taxesest. at asking price, St. Johns County$619

Estimated total, before insurance$2,990/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$278,184	$121,048	—
2024	$285,636	$116,929	—
2023	$291,765	$112,067	—
2022	$244,648	$107,347	—
2021	$174,081	$102,764	—
2020	$155,312	$100,655	—

Estimated taxes if purchased at asking price: ~$7,400/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: material not specified — year not disclosed (home built 1984)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,761 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