This home is in St. Augustine.

1 / 55

Active

Active·38 days on market

184 Gargonza Court

St. Augustine, FL 32084

$229,000$170/sqftEst. $1,168/moMLS# 2150307

Beds

Baths

1,348

Sq Ft

2007

Built

Garage

Pool

About this home

St. Augustine

Located in the well-maintained Tuscany Village community, this 2-bedroom, 2.5-bathroom townhome offers a practical layout and a location that's hard to beat. Whether you're looking for a shorter commute or easy access to the best of St. Augustine, this home provides a comfortable, low-maintenance lifestyle. The main floor is designed for daily life and entertaining, featuring an open living and dining area that flows into the kitchen. A convenient half-bath is also located downstairs. Upstairs, you'll find two spacious bedrooms, one ensuite bath and a hall bath. A unique feature of this floor plan is the small landing area, which is perfectly sized for a home office desk. The laundry area is also located on the second floor. As a resident of Tuscany Village, you'll have access to excellent community amenities, including a swimming pool, fitness center, and clubhouse. With a focus on easy living, this townhome is a fantastic opportunity to enjoy everything St. Augustine has to offer.

Cost to own

Mortgage calculator

Home Price

$229,000

Down Payment: 20%

$45,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,168

Principal & Interest: $1,168

Property taxes (est.): $305

Insurance (est.): $153

Estimated Total Monthly

$1,625

*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$1,168

Property taxesest. at asking price, St. Johns County$305

HOAbilled monthly$248

Estimated total, before insurance$1,720/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,183/yr · $265/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	$210,677	$210,677	—
2024	$215,368	$200,340	—
2023	$219,280	$182,127	—
2022	$180,147	$165,570	—
2021	$150,518	$150,518	—
2020	$143,495	$142,013	—

2025 property taxes (current owner): $3,183/yr

Estimated taxes if purchased at asking price: ~$3,700/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 — year not disclosed (home built 2007)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

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

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

Solar potential: ~1,768 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