This home is in St. Augustine.

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Active

Active·9 days on market

525 N St Johns Street

St. Augustine, FL 32084

$268,000$233/sqftEst. $1,366/moMLS# 2155188

Beds

Baths

1,152

Sq Ft

2003

Built

—

Garage

Pool

About this home

St. Augustine

Diamond in the Rough - Great Location in West St. Augustine! This charming 3-bedroom, 2-bath manufactured home has been lovingly maintained and is full of potential. Situated on a 0.12-acre lot in the desirable West St. Augustine area, this property offers both convenience and value. Ideally located just minutes from I-95 and US-1, you'll enjoy quick access to the St. Augustine Outlets, shopping centers, restaurants, and the area's beautiful beaches. Whether you're a first-time homebuyer, downsizing, or looking for an investment opportunity, this centrally located home is one you won't want to miss. Don't miss your chance to own this hidden gem in one of St. Augustine's most convenient locations!

Cost to own

Mortgage calculator

Home Price

$268,000

Down Payment: 20%

$53,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,366

Principal & Interest: $1,366

Property taxes (est.): $357

Insurance (est.): $179

Estimated Total Monthly

$1,902

*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$1,366

Property taxesest. at asking price, St. Johns County$357

Estimated total, before insurance$1,723/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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: Shingle — year not disclosed (home built 2003)

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

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,598 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