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 waterfront home in St. Johns County.

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Active

Active·44 days on market·North Beach

4221 Myrtle Street

St. Augustine, FL 32084

$4,150,000$1023/sqftEst. $21,401/moMLS# 2152209

Beds

Baths

4,056

Sq Ft

2023

Built

Garage

Pool

About this home

North Beach

Custom Intracoastal Estate with Guest House, Covered Boathouse & Dual Boat Lifts! Experience waterfront living at its finest in this custom-built Intracoastal estate located in Vilano Beach. Built in 2023 and thoughtfully designed for both everyday living and entertaining, this exceptional property offers approximately 4,056 square feet of heated and cooled living space, including a detached guest suite, and over 6,700 square feet under roof. Situated on a deep-water Intracoastal lot with direct ocean access, the property features a covered boathouse, two boat lifts (13,000 lb. and 7,500 lb.), a private dock, and breathtaking panoramic water views from nearly every room. Watch dolphins play, enjoy spectacular sunsets, and experience the boating lifestyle that makes St. Augustine one of Florida's most desirable waterfront destinations.

Cost to own

Mortgage calculator

Home Price

$4,150,000

Down Payment: 20%

$830,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$21,401

Principal & Interest: $21,401

Property taxes (est.): $5,522

Insurance (est.): $2,767

Estimated Total Monthly

$29,690

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$21,401

Property taxesest. at asking price, St. Johns County$5,522

Estimated total, before insurance$26,923/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$28,287/yr · $2,357/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	$2,318,086	$2,054,817	—
2024	$2,046,199	$1,996,199	—
2023	$973,500	$973,500	—
2022	$973,280	$973,280	—

2025 property taxes (current owner): $28,287/yr

Estimated taxes if purchased at asking price: ~$66,300/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 VE — coastal high-hazard area

Flood insurance is required by lenders, at coastal (wave-action) rates.

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: Metal — year not disclosed (home built 2023)

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

Solar potential: ~1,802 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