This home is in St. Augustine.

1 / 42

Active

Active·11 days on market

255 Ayamonte Road

St. Augustine, FL 32084

$278,440$213/sqftEst. $1,420/moMLS# 2155478

Beds

Baths

1,308

Sq Ft

2026

Built

—

Garage

Pool

About this home

St. Augustine

The Springfield townhome is a thoughtfully designed floor plan that offers a surprising amount of space and comfort within approximately 1,308 square feet. With three bedrooms and 2.5 bathrooms, this inviting two-story home is ideal for homeowners seeking a functional layout that still feels open and bright. The main level features a seamless flow between the kitchen and living area, creating a welcoming environment for both relaxing and entertaining. The kitchen is designed with ample counter space and storage, making meal preparation easy while staying connected to family and guests in the adjacent living room. Sliding glass doors bring in generous natural light, filling the home with warmth and enhancing the open feel of the living spaces throughout the day. Upstairs, the primary suite provides a peaceful retreat, complete with a spacious walk-in closet and a well-appointed bathroom with a large vanity.

Cost to own

Mortgage calculator

Home Price

$278,440

Down Payment: 20%

$55,688

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,420

Principal & Interest: $1,420

Property taxes (est.): $371

Insurance (est.): $186

Estimated Total Monthly

$1,976

*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$1,420

Property taxesest. at asking price, St. Johns County$371

HOAbilled quarterly$113

Estimated total, before insurance$1,904/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.

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 2026)

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

Solar potential: ~1,162 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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