Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in North Beach, St. Augustine — a new construction home in Jacksonville.

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Active

Active·44 days on market·North Beach

504 Nineteenth Street

St. Augustine, FL 32084

$1,100,000$611/sqftEst. $5,609/moMLS# 2151327

Beds

Baths

1,800

Sq Ft

2026

Built

Garage

Yes

Pool

About this home

North Beach

Beautiful, BRAND NEW CONSTRUCTION in Vilano Beach! Live the boating, fishing and beach lifestyle with this coastal, low- maintenance home and yard - best of all add that to being just a few blocks from fabulous dining and scenic views abound! This home checks all the boxes to be your perfect home, 2nd home or vacation rental investment. Featuring 4 bedrooms and 3.5 baths, an open concept floor plan, 9ft ceilings, white shaker cabinetry and quartz countertops throughout. Master bedroom on first floor, all others on 2nd. This home also includes impact-resistant windows and 2-10 Home Warranty included with purchase.

Cost to own

Mortgage calculator

Home Price

$1,100,000

Down Payment: 20%

$220,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,609

Principal & Interest: $5,609

Property taxes (est.): $1,796

Insurance (est.): $733

Estimated Total Monthly

$8,138

*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$5,609

Property taxesest. at asking price, Duval County$1,796

Estimated total, before insurance$7,405/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,448/yr · $287/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: $300,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$290,000	$290,000	—
2025	$172,709	$172,709	▲ $11,430
2024	$290,000	$290,000	—
2024	$161,540	$161,540	▲ $4,119
2023	$290,000	$179,488	—
2023	$149,962	$149,962	—
2022	$257,600	$163,171	—
2022	$145,458	$106,739	—
2021	$165,000	$148,337	—
2021	$105,382	$97,036	—
2020	$165,000	$134,852	—
2020	$88,215	$88,215	—

2025 property taxes (current owner): $3,448/yr

Estimated taxes if purchased at asking price: ~$21,600/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 3,305 current Duval 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 2026)

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

Solar potential: ~1,635 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