This home is in St. Augustine.
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Active·Listed today
51 Atlantic Oaks Circle
St. Augustine, FL 32080
About this home
St. Augustine
Your chance to build the ONLY new construction home on the ocean side of A1A in St. Augustine Beach - in a non-HOA area, minimal flood hazard ''X'' zone, less than a mile walk or bike ride to the waves. This 3 bed/2 bath plan by Inkline Homes has premium upgrades included as standard - paver driveway, patio with pergola, metal roof, Hardie siding, wood-look tile flooring, Quartz countertops, 9' ceilings + more. Inside, the open and inviting floor plan has plenty of space for living + dining, and a large kitchen with custom tile work and soft-close cabinetry. The primary bedroom ensuite has a double sink vanity, zero-entry shower and oversized walk-in closet. The second and third bedrooms share a hall bath with shower/tub combo. Dedicated laundry room. Enjoy your patio area with access through a glass door in the living area, letting in even more natural light. Custom options with construction loan (all tile, cabinets, hardware, trim + more) Photos are of similar built property.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $205,000 | $205,000 | — |
| 2024 | $185,000 | $115,555 | — |
| 2023 | $185,000 | $105,050 | — |
| 2022 | $145,600 | $95,500 | — |
| 2021 | $130,000 | $86,818 | — |
| 2020 | $130,000 | $78,925 | — |
2025 property taxes (current owner): $3,302/yr
Estimated taxes if purchased at asking price: ~$9,200/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 (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
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: ~1,682 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Jul 15, 2026Listed$575,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines