This home is in St. Augustine.

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Pending

Pending·32 days on market

79 Red House Circle

St. Augustine, FL 32084

$201,000$181/sqftEst. $1,025/moMLS# 2152045

Beds

Baths

1,109

Sq Ft

2022

Built

—

Garage

Pool

About this home

St. Augustine

Location! Location!Location! This move-in ready, well maintained, like-new 2 bedroom, 2.5 bathroom townhome built in 2022 that blends modern comfort and convenient living. The kitchen flows seamlessly into the dining and living areas, creating an inviting atmosphere. All appliances, including washer and dryer will stay, making your move effortless from day one. It is right next to St. Augustine High School, about 2 miles to historic downtown St. Augustine. this home is also close to shopping, dining, and major highways for an easy commute. It is perfect for first time home, investment or second home.

Cost to own

Mortgage calculator

Home Price

$201,000

Down Payment: 20%

$40,200

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,025

Principal & Interest: $1,025

Property taxes (est.): $268

Insurance (est.): $134

Estimated Total Monthly

$1,426

*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$1,025

Property taxesest. at asking price, St. Johns County$267

HOAbilled monthly$116

Estimated total, before insurance$1,408/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,180/yr · $348/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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	$209,239	$209,239	—
2024	$193,285	$193,285	—
2023	$209,742	$200,326	—
2022	$41,440	$41,440	—

2025 property taxes (current owner): $4,180/yr

Estimated taxes if purchased at asking price: ~$3,200/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: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,792 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