This home is in North Beach, St. Augustine.

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Active Under Contract

Active Under Contract·45 days on market·North Beach

3180 Coastal Highway

St. Augustine, FL 32084

$1,500,000$789/sqftEst. $7,648/moMLS# 2149884

Beds

Baths

1,902

Sq Ft

1981

Built

Garage

Pool

About this home

North Beach

Welcome to 3180 Coastal Highway, Villa Rosa--an exceptional oceanfront retreat in the heart of Vilano Beach. This beautifully furnished 4-bedroom, 3-bath home offers stunning Atlantic Ocean views from the open-concept living, dining, and kitchen areas. With 50 feet of direct ocean frontage, enjoy spectacular sunrises from the expansive composite deck (2022) and sunsets over the Intracoastal Waterway. Features include a 2017 roof, impact-rated sliding glass doors, attached garage, parking for up to four vehicles, and an outdoor shower. Villa Rosa is also a proven income-producing property, generating over $140,000 annually in vacation rental revenue. Minutes from dining, shopping, and local attractions, this turnkey home is ideal as a primary residence, vacation getaway, or investment opportunity. Showings are by appointment and subject to guest occupancy.

Cost to own

Mortgage calculator

Home Price

$1,500,000

Down Payment: 20%

$300,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$7,648

Principal & Interest: $7,648

Property taxes (est.): $1,996

Insurance (est.): $1,000

Estimated Total Monthly

$10,644

*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$7,648

Property taxesest. at asking price, St. Johns County$1,996

Estimated total, before insurance$9,644/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,954/yr · $829/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

Last sold: $575,000 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$709,659	$709,659	—
2025	$539,654	$448,584	▲ $56,586
2024	$692,515	$692,515	—
2024	$485,235	$435,235	▲ $46,230
2023	$723,497	$723,497	—
2023	$367,218	$329,992	▲ $10,000
2022	$803,263	$803,263	—
2022	$344,895	$299,993	▲ $25,000
2021	$550,206	$550,206	—
2021	$272,721	$272,721	—
2020	$554,207	$554,207	—
2020	$256,235	$256,235	—

2025 property taxes (current owner): $9,954/yr

Estimated taxes if purchased at asking price: ~$24,000/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 VE — coastal high-hazard area

Flood insurance is required by lenders, at coastal (wave-action) rates.

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 — 2017 per the listing

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,826 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, 2026Active Under Contract$1,500,000
Jun 10, 2026Listed$1,500,000

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

Features

Price$1,500,000

Price / Sq Ft$789

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage1,902

Acres0.23 acres

Year Built1981

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages1

Has PoolNo

Is WaterfrontYes

Community Information

Address3180 Coastal Highway, St. Augustine, FL 32084

Area266-Vilano Beach

SubdivisionNorth Beach

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size10,018.8 sq ft

Parcel Number1480630000

Amenities

UtilitiesCable Connected, Electricity Connected

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Garage, Garage Door Opener

ViewBeach, Ocean, Water

Waterfront TypeOcean Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Central Vacuum, Entrance Foyer, Primary Bathroom - Tub with Shower, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup