This home is in St. Augustine.

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Active Under Contract

Active Under Contract·18 days on market

886 W 3rd Street

St. Augustine, FL 32084

$325,000$262/sqftEst. $1,657/moMLS# 2154387

Beds

Baths

1,241

Sq Ft

2026

Built

—

Garage

Pool

About this home

St. Augustine

This brand new 3 bed/2 bath from Inkline Homes features a huge list of upgrades on an oversized lot, located minutes to downtown St. Augustine, with no minimum rental restrictions! Step inside to 9' ceilings, smooth walls, spacious living & kitchen area, wood-look ceramic tile flooring, blinds for privacy, soft-close cabinetry, quartz countertops, Energy Star stainless steel appliances & stunning tile backsplash. The primary suite features a private tiled bathroom with a sleek zero entry shower & walk-in closet, all accessible through a pocket door for maximized space. The second and third bedrooms share a hall bath with shower-tub combo, also featuring beautiful tile work. This home includes a dedicated laundry room, a large yard (.18 acres of uplands in X Zone), 2x6 frame construction, ZIP Sheathing system, metal roof, Hardie siding, and paver driveway. City water/sewer! Full builder warranty through 2-10 provided! Fencing can be installed upon request for additional cost.

Cost to own

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,657

Principal & Interest: $1,657

Property taxes (est.): $433

Insurance (est.): $217

Estimated Total Monthly

$2,306

*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$1,657

Property taxesest. at asking price, St. Johns County$432

Estimated total, before insurance$2,090/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,014/yr · $85/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	$81,900	$34,591	—
2023	$70,500	$31,446	—
2022	$40,350	$28,587	—
2021	$27,000	$25,988	—
2020	$23,625	$23,625	—

2025 property taxes (current owner): $1,014/yr

Estimated taxes if purchased at asking price: ~$5,200/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal — year not disclosed (home built 2026)

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

Solar potential: ~1,516 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