This home is in Vilano Beach.

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Active

Active·Listed today

405 Fifth Street

Vilano Beach, FL 32084

$747,000$374/sqftEst. $3,976/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: 6.55%

Loan Term

Monthly Payment

$3,797

Principal & Interest: $3,797

Est. Taxes & Insurance: $949

Estimated Total Monthly

$4,746

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,976

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

Estimated total, before insurance$4,970/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.

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.

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 1993)

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

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

Informational 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 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

StatusActive

# 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)