This home is in Surfside, St. Augustine Beach.

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Active

Active·13 days on market·Surfside

2 10th Street 4

St. Augustine Beach, FL 32080

$899,000$793/sqftEst. $4,785/moMLS# 2153472

Beds

Baths

1,134

Sq Ft

1985

Built

—

Garage

Pool

About this home

Surfside

There are oceanfront condos, and then there's Surfside Six. Positioned on the most prized section of St. Augustine Beach, this fully renovated, turnkey condo delivers unobstructed, panoramic views from nearly every room. With only six units in the building, this is as private and intimate as beachfront living gets. 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 living room opens to a private balcony, and a convenient half bath completes the main level. Skylights flood the stairwell with natural light as you head to the upper floor. The primary suite offers ocean views with its own private balcony and a fully renovated en-suite bath. A guest bedroom and full guest bath round out the upper level, providing comfortable separation and privacy.

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,541

Principal & Interest: $4,541

Est. Taxes & Insurance: $1,135

Estimated Total Monthly

$5,676

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$4,785

Property taxesest. at asking price, St. Johns County$1,196

HOAbilled quarterly$565

Estimated total, before insurance$6,546/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

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: ~$14,400/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 — 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History