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 St. Augustine — a home near Pedro Menendez High School.

1 / 43

Active

Active·46 days on market

208 Trade Wind Lane

St. Augustine, FL 32080

$499,000$381/sqftEst. $2,573/moMLS# 2152450

Beds

Baths

1,308

Sq Ft

1978

Built

Garage

Pool

About this home

St. Augustine

Welcome to this beautifully renovated beach house, where every detail has been thoughtfully updated inside and out. Whether you're searching for a primary residence, second home, or investment property, 208 Trade Wind offers the perfect blend of coastal charm and modern convenience. From the moment you arrive, you'll appreciate the home's inviting curb appeal, featuring mature landscaping, a new privacy fence, and a welcoming front porch with a brand-new deck and sitting area. Inside, the home shows like a model with luxury vinyl plank flooring (no carpet), smooth walls and ceilings, abundant natural light, and tasteful coastal finishes, including custom shiplap accents. The floor plan features two spacious bedrooms, each with its own en-suite bathroom, a formal dining room, and a versatile office/flex space that's perfect for working from home, accommodating guests, or a hobby room.

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,573

Principal & Interest: $2,573

Property taxes (est.): $664

Insurance (est.): $333

Estimated Total Monthly

$3,570

*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$2,573

Property taxesest. at asking price, St. Johns County$664

Estimated total, before insurance$3,237/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$361,137	$153,908	—
2024	$333,894	$148,863	—
2023	$336,442	$143,071	—
2022	$311,913	$137,448	—
2021	$218,204	$131,988	—
2020	$194,637	$129,475	—

Estimated taxes if purchased at asking price: ~$8,000/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 1978)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,808 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