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This home is in St. Augustine.

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Active Under Contract

Active Under Contract·44 days on market

142 Washington Street

St. Augustine, FL 32084

$819,000$366/sqftEst. $4,215/moMLS# 2153241

Beds

Baths

2,238

Sq Ft

1929

Built

—

Garage

Pool

About this home

St. Augustine

Fabulous professional renovation by local builder equates to newer home with historical significance. Imagine daily encounters along Lake Maria Sanchez and the historic bayfront! Stunning sunlight and beautiful finishes throughout! A chef's kitchen opens to a beautiful sunroom, large laundry room, powder room. The family room offers original brick, light and beautiful hardwood floors. Every bath offers a spa experience. Large rooms, filled with light and modern convenience with old world styling. Large private back yard with outdoor vistas of one of the prettiest streets in town. A study or library on first floor for your office AND a first floor suite with bathroom plus sunroom. Peeks of Lake Maria Sanchez from the Owner's Suite! Priced below neighboring homes, this offers you the best of both worlds: Old world luxury and modern conveniences with STR income possibilities! Just staged by Simply Dwell!

Cost to own

Mortgage calculator

Home Price

$819,000

Down Payment: 20%

$163,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$4,215

Principal & Interest: $4,215

Property taxes (est.): $1,090

Insurance (est.): $546

Estimated Total Monthly

$5,851

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$4,215

Property taxesest. at asking price, St. Johns County$1,090

Estimated total, before insurance$5,305/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$10,589/yr · $882/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	$634,744	$634,744	—
2024	$655,310	$534,100	▼ $198,000
2023	$803,631	$703,631	—
2022	$706,322	$26,990	—
2021	$534,596	$24,733	—
2020	$466,154	$24,500	—

2024 property taxes (current owner): $10,589/yr

Estimated taxes if purchased at asking price: ~$13,100/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1929)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

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

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