This home is in Villages of Valencia, St. Augustine.

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Active

Active·24 days on market·Villages of Valencia

243 Amistad Drive

St. Augustine, FL 32086

$279,000$157/sqftEst. $1,423/moMLS# 2153639

Beds

Baths

1,776

Sq Ft

2014

Built

Garage

Pool

About this home

Villages of Valencia

Welcome to 243 Amistad Drive, a beautifully maintained two-story townhome in the highly desirable Villages of Valencia community in St. Augustine. Built in 2014 and offering 1,799 square feet of thoughtfully designed living space, this move-in-ready home features 3 bedrooms, 2.5 bathrooms, and the perfect combination of modern comfort, low-maintenance living, and an unbeatable location. Step inside to a bright, open floor plan featuring spacious living and dining areas, a well-appointed kitchen, and a layout designed for both everyday living and entertaining. The home has been recently painted, giving it a fresh, clean feel that's ready for you from day one. Built in 2014, the home benefits from newer major systems and components compared to many properties in the area, providing added peace of mind. Its excellent condition means there are no immediate repairs or updates needed--simply move in and enjoy.

Cost to own

Mortgage calculator

Home Price

$279,000

Down Payment: 20%

$55,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,423

Principal & Interest: $1,423

Property taxes (est.): $371

Insurance (est.): $186

Estimated Total Monthly

$1,980

*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$1,423

Property taxesest. at asking price, St. Johns County$371

HOAbilled quarterly$261

Estimated total, before insurance$2,055/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,091/yr · $341/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	$278,912	$278,912	—
2024	$282,443	$268,907	—
2023	$284,697	$244,461	—
2022	$247,481	$222,237	—
2021	$202,034	$202,034	—
2020	$184,975	$184,975	—

2025 property taxes (current owner): $4,091/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 — 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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 2014)

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

Solar potential: ~1,796 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