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318 Casa Sevilla Avenue

St. Augustine, FL 32092

$384,000$228/sqftEst. $1,952/moMLS# 2155668

Beds

Baths

1,687

Sq Ft

2013

Built

Garage

Pool

About this home

St. Augustine

Welcome to 318 Casa Sevilla Ave. in Sevilla at World Golf Village! This 4BR/2BA home offers a Split floor plan enhancing privacy of the owners suite, bath w/separate raised vanities and a large garden tub, separate shower and toilet areas. New quartz counter tops in the kitchen. Large fenced yard with a covered patio. All appliances including washer/dryer staying. **Seller is offering 10k in concessions at closing.** *AMENITIES - Community pool, splash park, basketball court, park, Covered picnic area. Prime location just minutes from I-95, shopping, dining, golf, and top-rated schools.

Cost to own

Mortgage calculator

Home Price

$384,000

Down Payment: 20%

$76,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,952

Principal & Interest: $1,952

Property taxes (est.): $511

Insurance (est.): $256

Estimated Total Monthly

$2,719

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,952

Property taxesest. at asking price, St. Johns County$511

HOAbilled annually$81

Estimated total, before insurance$2,544/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: material not specified — year not disclosed (home built 2013)

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: ~1,708 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