This home is in St. Augustine.

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Active

Active·2 days on market

27 Village Del Lago Circle

St. Augustine, FL 32080

$475,000$433/sqftEst. $2,422/moMLS# 2155159

Beds

Baths

1,098

Sq Ft

1982

Built

—

Garage

Pool

About this home

St. Augustine

Welcome to this immaculate, beautifully updated Bikini III condo located in the Village Del Lago section of Ocean Gallery, one of St. Augustine Beach's premier gated oceanfront communities. Overlooking a peaceful lagoon and just a short stroll to the sandy shoreline, this charming residence offers the perfect blend of comfort, convenience, and coastal living. This move-in ready condo has been thoughtfully updated with a **new A/C system (2020)**, a **hurricane-rated front window**, and a **new microwave and range (2025)**, offering peace of mind and modern convenience. Tastefully appointed with stylish Florida-inspired décor, the condo is ideally positioned near the heated Village Del Lago clubhouse pool while providing easy access to Ocean Gallery's outstanding resort-style amenities. Residents and guests enjoy private beach access, multiple swimming pools, hot tubs, a sauna, a fitness center, tennis and pickleball courts, racquetball, shuffleboard, beautifully maintained walking

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,422

Principal & Interest: $2,422

Property taxes (est.): $632

Insurance (est.): $317

Estimated Total Monthly

$3,371

*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$2,422

Property taxesest. at asking price, St. Johns County$632

HOAbilled monthly$640

Estimated total, before insurance$3,694/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,785/yr · $399/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): $4,785/yr

Estimated taxes if purchased at asking price: ~$7,600/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1982)

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

Solar potential: ~1,832 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 21, 2026Active$475,000
Jul 13, 2026Listed$475,000

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

Features

Price$475,000

Price / Sq Ft$433

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,098

Year Built1982

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address27 Village Del Lago Circle, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionOcean Gallery Condo

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Parcel Number1757750127

Amenities

AmenitiesPool, Beach Access, Cable TV, Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management- On Site, Racquetball, Sauna, Security, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Parking Lot

ViewPond