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This home is in Vilano Beach.

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Pending

Pending·44 days on market

405 Fifth Street

Vilano Beach, FL 32084

$747,000$374/sqftEst. $3,840/moMLS# 2155709

Beds

Baths

2,000

Sq Ft

1993

Built

Garage

Pool

About this home

Vilano Beach

The Vilano Beach lifestyle awaits! This beautifully updated 3BR/2BA single-level home just off A1A is move-in ready and offers the perfect blend of comfort and coastal charm. Enjoy stunning sunsets and quick access to beaches, restaurants, parks, watersports, and nature trails. Inside, you'll find a remodeled kitchen and primary suite, wood and luxury vinyl plank flooring, skylights, indoor and outdoor gas fireplaces, central vacuum, Shark Coating garage floor, and a durable metal roof. Outside features a circular paver driveway, separate boat/RV parking, a detached workshop or gym, Trex® deck, gazebo, enclosed porches, and a fully fenced backyard with tropical landscaping backing to peaceful woods. Solar landscape lighting creates a beautiful evening ambiance. With no HOA, this home is ideal as a primary residence, vacation retreat, or investment property in one of St. Augustine's most desirable beach communities.

Cost to own

Mortgage calculator

Home Price

$747,000

Down Payment: 20%

$149,400

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,840

Principal & Interest: $3,840

Property taxes (est.): $994

Insurance (est.): $498

Estimated Total Monthly

$5,332

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,840

Property taxesest. at asking price, St. Johns County$994

Estimated total, before insurance$4,834/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $334/yr

Estimated taxes if purchased at asking price: ~$11,900/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Metal — year not disclosed (home built 1993)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,757 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

Aug 7, 2026Pending$747,000
Jul 16, 2026Listed$747,000

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

Features

Price$747,000

Price / Sq Ft$374

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,000

Acres0.24 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

Community Information

Address405 Fifth Street, Vilano Beach, FL 32084

Area266-Vilano Beach

SubdivisionVilano Beach

CityVilano Beach

CountySt. Johns

StateFL

Zip Code32084

Lot Size10,454.4 sq ft

Parcel Number1455940030

ZoningResidential

Amenities

UtilitiesElectricity Available, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Circular Driveway

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Double Oven, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Instant Hot Water, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas

# of Stories1

LevelsOne

Window FeaturesSkylight(s)