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This home is in St. Augustine.

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Active

Active·65 days on market

5139 Medoras Avenue

St. Augustine, FL 32080

$975,000Est. $5,007/moMLS# 2150569

Beds

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Sq Ft

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Built

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Garage

Pool

About this home

St. Augustine

An exceptional opportunity to build a bespoke coastal residence in the Butler Beach area of Anastasia Island. Set within Biera Mar by the Sea, this 9,583 sq ft (0.22-acre) homesite with approximate dimensions of 60 ft x 165 ft offers a coveted walk-to-the-beach lifestyle with Saint Augustine's celebrated dining, recreation, and Historic Downtown all within easy reach. RS-3 zoning supports a custom vision, whether as a refined primary retreat or an elegant second home by the sea. Bring your builder and create a timeless island escape in one of Northeast Florida's most desirable coastal settings. Also listed with home rendering in MLS #2159346.

Cost to own

Mortgage calculator

Home Price

$975,000

Down Payment: 20%

$195,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$5,007

Principal & Interest: $5,007

Property taxes (est.): $1,297

Insurance (est.): $650

Estimated Total Monthly

$6,955

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$5,007

Property taxesest. at asking price, St. Johns County$1,297

Estimated total, before insurance$6,305/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,104/yr · $425/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	$379,620	$375,410	—
2024	$379,620	$341,282	—
2023	$352,980	$310,256	—
2022	$302,830	$282,051	—
2021	$270,396	$256,410	—
2020	$233,100	$233,100	—

2025 property taxes (current owner): $5,104/yr

Estimated taxes if purchased at asking price: ~$15,600/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified

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

Solar potential: ~1,816 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