This home is in Surfside, St. Augustine Beach — an oceanfront home in Northeast Florida.
Active·106 days on market·Surfside
2 10th Street 4
St. Augustine Beach, FL 32080
8 more homes for sale in Surfside →Search Surfside on the map
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About this home
Surfside
At $799,000, it's hard to find a better value for a direct oceanfront condo in St. Augustine Beach, especially one with these views and upgrades. Set along one of the most desirable stretches of St. Augustine Beach, this fully renovated, professionally decorated, turnkey residence offers unobstructed panoramic ocean views from nearly every room. With only six units in the building, Surfside Six provides a level of privacy and exclusivity rarely found along the beach. Enter on the second floor and you're immediately greeted by a fully renovated kitchen with a sleek, neutral palette and clean lines that carry into the open dining and living areas. The result is a space that feels coastal and modern, light, airy, and refined. The condo also features all-new impact-rated windows and sliding glass doors, providing added protection, energy efficiency, and peace of mind.
Next steps in Surfside
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
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 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer & public water · St Johns County Utilities
County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,737 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $529,000 | $415,911 | — |
| 2024 | $575,000 | $403,482 | — |
| 2023 | $565,345 | $390,274 | — |
| 2022 | $472,800 | $377,450 | — |
| 2021 | $415,000 | $365,000 | — |
| 2020 | $415,000 | $365,000 | — |
2025 property taxes (current owner): $6,927/yr
Estimated taxes if purchased at asking price: ~$12,800/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.
History
Price & status history
- Sep 29, 2026Price change$799,000−$50,000
- Jul 30, 2026Price change$849,000−$50,000
- Jul 2, 2026Listed$899,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $374/sq ft; this home is listed at $705/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 390 A1A Beach Boulevard 5, St. Augustine Beach, FL 32080Listed by WATSON REALTY CORP | Jun 2026 | $630,000 | $567 | 2/2 | 1,111 | 35 | 0.3 |
| 265 Atlantis Circle 102, St. Augustine, FL 32080Listed by THE NEWCOMER GROUP | May 2026 | $515,000 | $374 | 3/2 | 1,377 | 9 | 0.3 |
| 620 A1A Beach Boulevard 30, St. Augustine, FL 32080Listed by WATSON REALTY CORP | May 2026 | $655,000 | $689 | 2/2 | 950 | 184 | 0.3 |
| 275 Atlantis Circle 203, St. Augustine, FL 32080Listed by DJ & LINDSEY REAL ESTATE | Dec 2025 | $525,000 | $363 | 3/2 | 1,448 | 90 | 0.3 |
| 285 Atlantis Circle 205, St. Augustine, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Oct 2025 | $510,000 | $370 | 3/2 | 1,377 | 65 | 0.3 |
| 225 Atlantis Circle 101, St. Augustine Beach, FL 32080Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | May 2026 | $515,000 | $352 | 3/2 | 1,464 | 72 | 0.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ENDLESS SUMMER REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Surfside
Surfside is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32080.
View all Surfside homes for sale →Keep looking
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines