This home is in St. Augustine.

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Active

Active·13 days on market

2806 Vista Cove Road

St. Augustine, FL 32084

$279,900$201/sqftEst. $1,490/moMLS# 2153531

Beds

Baths

1,393

Sq Ft

1998

Built

—

Garage

Pool

About this home

St. Augustine

Welcome to easy, low-maintenance living in the sought-after gated community of Vista Cove! This beautifully maintained ground-floor 2-bedroom, 2-bath condo offers a bright, functional floor plan with gorgeous wood-look tile flooring throughout the main living areas and brand-new carpet in the primary bedroom. Large windows frame peaceful wooded views, creating a serene backdrop to enjoy your morning coffee or unwind at the end of the day while watching Florida's abundant wildlife. Built with solid poured concrete construction for added durability and sound insulation, this home offers both comfort and peace of mind. Vista Cove is a picturesque 68-acre waterfront community featuring lush landscaping, scenic walking trails, multiple ponds, two resort-style pools, a fitness center, clubhouse, and a community dock. Conveniently located just minutes from historic downtown St. Augustine, beautiful beaches, shopping, dining, and I-95, this is the perfect opportunity to

Cost to own

Mortgage calculator

Home Price

$279,900

Down Payment: 20%

$55,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,414

Principal & Interest: $1,414

Est. Taxes & Insurance: $353

Estimated Total Monthly

$1,767

*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$1,490

Property taxesest. at asking price, St. Johns County$372

HOAbilled monthly$578

Estimated total, before insurance$2,440/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	$258,000	$89,301	—
2024	$258,000	$85,936	—
2023	$274,350	$81,831	—
2022	$194,000	$82,346	—
2021	$167,000	$78,477	—
2020	$153,500	$76,696	—

2025 property taxes (current owner): $2,016/yr

Estimated taxes if purchased at asking price: ~$4,500/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: Shingle — year not disclosed (home built 1998)

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).

Solar potential: ~1,772 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