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This home is in St Augustine South, St. Augustine.

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Active Under Contract

Active Under Contract·60 days on market·St Augustine South

110 Osprey Road

St. Augustine, FL 32086

$419,000$303/sqftEst. $2,161/moMLS# 2149988

Beds

Baths

1,385

Sq Ft

1988

Built

Garage

Pool

About this home

St Augustine South

Coastal living meets total peace of mind at 110 Osprey Rd -- a fully renovated 3-bedroom, 2-bath retreat in the heart of Saint Augustine South. With 1,385 sq. ft., a 2-car garage, and a screened porch, this one-story gem has been completely updated from top to bottom and is 100% move-in ready. **Showings will take place July 11th - 24th** Every major system has been replaced: 2022 roof, 2020 HVAC with new ductwork, 2022 full replumb, new septic system and drain field, hybrid water heater, and solar attic vents. The 2022 interior renovation includes a remodeled kitchen with quartz countertops, updated bathrooms, luxury vinyl plank flooring throughout, fresh paint, and modern lighting -- light, bright, and beautifully done. Saint Augustine South is one of St. Augustine's most beloved waterfront communities, featuring two boat ramps, a park, playground, tennis and basketball courts, a community center, and direct Intracoastal Waterway access. No mandatory HOA.

Cost to own

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,161

Principal & Interest: $2,161

Property taxes (est.): $558

Insurance (est.): $279

Estimated Total Monthly

$2,998

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,161

Property taxesest. at asking price, St. Johns County$558

Estimated total, before insurance$2,718/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,598/yr · $133/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

Year	Market value	Taxable value	Change
2025	$269,033	$80,755	—
2024	$263,983	$77,772	—
2023	$268,122	$74,050	—
2022	$248,137	$70,437	—
2021	$177,044	$66,929	—
2020	$172,576	$65,315	▲ $4,912

2025 property taxes (current owner): $1,598/yr

Estimated taxes if purchased at asking price: ~$6,700/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — 2022 per the listing

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

Likely septic · Public water · St Johns County Utilities - water accounts

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: ~1,722 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