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 Beach — a home near St. Augustine High School.

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Active

Active·44 days on market

12 F Street

St. Augustine Beach, FL 32080

$1,850,000$665/sqftEst. $9,540/moMLS# 2152723

Beds

Baths

2,780

Sq Ft

2008

Built

Garage

Yes

Pool

About this home

St. Augustine Beach

Experience refined coastal luxury just moments from the pristine shores of St. Augustine Beach. Perfectly suited as an exclusive retreat, distinguished primary residence, or high-performing investment, this impeccably designed property showcases an elevated blend of sophistication and comfort. The first level features a private en suite, two-car garage, and a covered outdoor living space complete with a temperature-controlled pool-ideal for year-round enjoyment. A private elevator provides seamless access to all levels, leading to the sun-drenched second floor where an open-concept living area, designer kitchen, and expansive balcony invite effortless entertaining and tranquil ocean breezes. The third floor presents two well-appointed guest suites alongside a serene owner's retreat, complete with a private balcony and a spa-inspired bath designed for ultimate relaxation. Turnkey offer includes a short-term rental license, proven rental history, property management & future bookings.

Cost to own

Mortgage calculator

Home Price

$1,850,000

Down Payment: 20%

$370,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$9,540

Principal & Interest: $9,540

Property taxes (est.): $2,462

Insurance (est.): $1,233

Estimated Total Monthly

$13,235

*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$9,540

Property taxesest. at asking price, St. Johns County$2,462

Estimated total, before insurance$12,002/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

Last sold: $820,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,249,388	$1,249,388	—
2025	$742,466	$691,744	—
2024	$1,421,801	$1,421,801	—
2024	$695,790	$695,790	—
2023	$1,363,389	$1,363,389	—
2023	$555,193	$555,193	—
2022	$1,394,260	$1,394,260	—
2022	$486,286	$486,286	—
2021	$759,607	$759,607	—
2021	$398,819	$332,647	—
2020	$715,330	$715,330	—
2020	$377,364	$327,364	—

Estimated taxes if purchased at asking price: ~$29,500/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: Metal — year not disclosed (home built 2008)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

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

Solar potential: ~1,810 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