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This home is in St Augustine Shores, St. Augustine.

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Active Under Contract

Active Under Contract·44 days on market·St Augustine Shores

165 Toledo Street

St. Augustine, FL 32086

$309,900$275/sqftEst. $1,592/moMLS# 2154855

Beds

Baths

1,128

Sq Ft

1975

Built

Garage

Pool

About this home

St Augustine Shores

We invite you to come see this incredible home with modern finishes and upscale features. This open floor plan house features a fusion of indoor and outdoor spaces. The heart of this home is the open kitchen with fabulous finishes and stainless steel appliances. The rooms flow easily with warm vinyl flooring and seamlessly integrate a generous family room and a breakfast nook. Two gracious bedrooms, each with their own luxe upscale finishes allow flexibility of living. Connecting the living areas of the house with the garage is a lovely breezeway blending the line between indoor and outdoor areas. This multi-seasonal room connects the home with the exterior and the generous fenced back yard. Come see this quiet neighborhood with community amenities including pool, clubhouse, tennis and a golf course. Incredible enclave in St Augustine with parks and trails while being convenient to shopping and dining. Downtown St Aug and the Beaches are just a short drive away. Newer roof, AC and HWH

Cost to own

Mortgage calculator

Home Price

$309,900

Down Payment: 20%

$61,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,592

Principal & Interest: $1,592

Property taxes (est.): $412

Insurance (est.): $207

Estimated Total Monthly

$2,210

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,592

Property taxesest. at asking price, St. Johns County$412

HOAbilled monthly$34

Estimated total, before insurance$2,038/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$919/yr · $77/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

2025 property taxes (current owner): $919/yr

Estimated taxes if purchased at asking price: ~$4,900/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, 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 1975)

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: ~1,738 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