This home is in St. Augustine.

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Active

Active·22 days on market

215 Nesmith Avenue

St. Augustine, FL 32084

$289,900$253/sqftEst. $1,478/moMLS# 2153351

Beds

Baths

1,144

Sq Ft

1996

Built

—

Garage

Pool

About this home

St. Augustine

Explore this recently refreshed property in the Ravenswood area. The home features a covered front porch, a living room with luxury vinyl plank flooring, and a freshly painted interior in neutral tones. The kitchen is equipped with new stainless steel appliances, quartz countertops, and a center island that provides additional workspace and storage. The interior also includes three carpeted bedrooms, an inside utility area, and a tankless water heater. Outside, the property offers a courtyard-style driveway and a fenced rear yard. Conveniently located with access to downtown St. Augustine, area beaches, shopping, dining, and major roadways.

Cost to own

Mortgage calculator

Home Price

$289,900

Down Payment: 20%

$57,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,478

Principal & Interest: $1,478

Property taxes (est.): $386

Insurance (est.): $193

Estimated Total Monthly

$2,057

*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$1,478

Property taxesest. at asking price, St. Johns County$386

Estimated total, before insurance$1,864/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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: $300,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$232,971	$232,971	—
2024	$217,630	$217,630	—
2023	$178,509	$178,509	—
2022	$161,151	$54,449	—
2021	$113,526	$51,407	—
2020	$106,659	$50,007	—

2025 property taxes (current owner): $4,645/yr

Estimated taxes if purchased at asking price: ~$4,600/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: material not specified — year not disclosed (home built 1996)

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

Likely septic · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,509 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