This home is in St. Augustine.
Active·44 days on market
18 Ocean Avenue
St. Augustine, FL 32084
About this home
St. Augustine
Discover the best of both worlds at 18 Ocean Ave, a high-potential 2BR/2.5BA home perfectly situated near downtown St. Augustine and just minutes over the bridge to the sand. Featuring a highly desirable split floor plan, this layout offers two private suites--ideal for maximum tenant privacy or a weekend coastal retreat--paired with a bright, open living space and a guest half-bath. Whether you want to expand your rental portfolio or capture your own escape, this property is a fantastic canvas ready for your personal TLC. Take in peaceful views of the neighborhood, or stroll along the Intracoastal Waterway. Outside, find charming brick walkways, mature trees, a lounging deck, and a storage shed. Bring your vision and secure your piece of the nation's oldest city today! ***Seller Financing Available | Rate as low as 4.5%***
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $469,535 | $401,582 | — |
| 2024 | $463,401 | $365,075 | — |
| 2023 | $466,682 | $331,886 | — |
| 2022 | $426,798 | $301,715 | — |
| 2021 | $275,717 | $274,286 | — |
| 2020 | $249,351 | $249,351 | — |
2025 property taxes (current owner): $8,388/yr
Estimated taxes if purchased at asking price: ~$8,100/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 1975)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)
County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,787 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 homeAs 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 20, 2026Price change$510,000−$15,000
- Jul 7, 2026Price change$525,000−$15,000
- Jun 18, 2026Listed$540,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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