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

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Active Under Contract

Active Under Contract·19 days on market·Villages of Valencia

55 Amistad Drive

St. Augustine, FL 32086

$269,000$163/sqftEst. $1,372/moMLS# 2154092

Beds

Baths

1,646

Sq Ft

2010

Built

Garage

Pool

About this home

Villages of Valencia

Welcome home to this beautifully maintained, turn-key property, where owner pride & care shows! FEATURES: 2-story Townhome, Ground Floor owner's abode w/ensuite bath, powder room, two Second Floor bedrooms, upper Flex/Den, a lake-view from Screened Lanai w/new outdoor carpet, and every square inch, including the oversized Garage, has just been Freshly Painted. BE FIRST: You will be the first to enjoy the all NEW stainless kitchen appliances and NEW lush carpet adorning the staircase, bonus room, upper hallway, and second floor bedrooms. SPECIALS: Finishes include granite counters and bar top, tile backsplash, ceramic tile floors in all ''wet'' areas, LVP in owner's bedroom, vinyl window shutters, walk-in kitchen pantry, plus additional lighted shelving & storage room off-laundry. LIFESTYLE: Entertaining is made easy with the open and spacious floor plan, the bonus room can be a retreat for additional TV watching, office space, reading room, or crafts. COMMUNITY: Affordable HOA w/Pool.

Cost to own

Mortgage calculator

Home Price

$269,000

Down Payment: 20%

$53,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,372

Principal & Interest: $1,372

Property taxes (est.): $358

Insurance (est.): $179

Estimated Total Monthly

$1,909

*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$1,372

Property taxesest. at asking price, St. Johns County$358

HOAbilled quarterly$278

Estimated total, before insurance$2,007/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,708/yr · $309/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
2024	$253,497	$241,028	—
2023	$255,549	$219,116	—
2022	$223,181	$199,196	—
2021	$181,087	$181,087	—
2020	$170,997	$170,997	—

2025 property taxes (current owner): $3,708/yr

Estimated taxes if purchased at asking price: ~$4,300/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 (2024), 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: Shingle — year not disclosed (home built 2010)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,787 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

Price & status history

Jul 14, 2026Active Under Contract$269,000
Jul 7, 2026Listed$269,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$269,000

Price / Sq Ft$163

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,646

Total Structure Area2,016 sq ft

Acres0.06 acres

Year Built2010

TypeResidential

Sub-TypeTownhouse

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages1

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

ElementaryW. D. Hartley

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address55 Amistad Drive, St. Augustine, FL 32086

Area334-Moultrie/St Augustine Shores

SubdivisionVillages of Valencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size2,613.6 sq ft

Parcel Number1818810080

ZoningResidential

Amenities

AmenitiesPool, Management - Full Time, Management - Off Site, Park

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Guest, Parking Lot

ViewLake

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump, Separate Meters

CoolingCentral Air, Electric, Separate Meters

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level

SecuritySecurity System Owned, Smoke Detector(s)