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 Bridgewater, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·44 days on market·Bridgewater

182 Seaport Breeze Road

St. Augustine, FL 32095

$275,000$191/sqftEst. $1,402/moMLS# 2151525

Beds

Baths

1,442

Sq Ft

2024

Built

Garage

Pool

About this home

Bridgewater

Discover modern living in this meticulously updated 2 bedroom, 2.5 bathroom townhome offers comfort and style with a significant price reduction. Step inside to an open concept living area, highlighted by a shiplap accent 1/2 wall and an electric fireplace, creating an inviting focal point. The kitchen, featuring quartz countertops and an additional 5 stage filtered water faucet, seamlessly integrates with the living space, making entertaining effortless. Smart home features, including an alarm system and lighting controls, enhance convenience. Upstairs, custom shelving in closets and a well appointed laundry area with a new washer elevate functionality. Both full bathrooms boast extra recessed lighting and framed mirrors. Enjoy serene pond views from the screened back deck, perfect for relaxation. Community amenities abound with a pool, splash park, playground, and fitness center, all with low HOA fees. Conveniently located near restaurants, shopping, and I-95, this home offers an

Cost to own

Mortgage calculator

Home Price

$275,000

Down Payment: 20%

$55,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,402

Principal & Interest: $1,402

Property taxes (est.): $366

Insurance (est.): $183

Estimated Total Monthly

$1,951

*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$1,402

Property taxesest. at asking price, St. Johns County$366

HOAbilled monthly$66

Estimated total, before insurance$1,834/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,854/yr · $404/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: $1,144,000 in February 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$271,366	$215,644	—
2024	$40,000	$40,000	—

2025 property taxes (current owner): $4,854/yr

Estimated taxes if purchased at asking price: ~$4,400/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: Shingle — year not disclosed (home built 2024)

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

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

Price & status history

Jul 17, 2026Price change$275,000−$10,000
Jun 19, 2026Listed$285,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$275,000

Price / Sq Ft$191

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,442

Acres0.04 acres

Year Built2024

TypeResidential

Sub-TypeTownhouse

StylePatio Home

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address182 Seaport Breeze Road, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBridgewater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size1,742.4 sq ft

Parcel Number0262210660

ZoningResidential

Amenities

AmenitiesPool, Other, Fitness Center, Playground

UtilitiesCable Available, Electricity Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryUpper Level

SecurityKey Card Entry, Smoke Detector(s)