3951 Myrtle Street

St. Augustine, FL 32084

$1,100,000$547/sqftEst. $5,855/moMLS# 2155795

Beds

Baths

2,011

Sq Ft

2026

Built

Garage

Yes

Pool

About this home

North Beach

Brand-New Construction in the Heart of Vilano Beach with Private Pool & Short-Term Rental Potential! Just blocks from the beach, this stunning new construction home offers 4 bedrooms, 3.5 bathrooms, a private pool, and an ideal floor plan designed for both full-time living and vacation rental income. Situated on a desirable corner lot at Myrtle Street and 16th Street, this coastal retreat features an open-concept main living area, spacious kitchen with large island and pantry, generous dining space, and seamless indoor-outdoor living with a covered patio overlooking the pool. The thoughtfully designed layout includes a first-floor entertaining space, oversized garage, and a second-floor owner's suite complete with walk-in closet and private bath. Three additional bedrooms, a loft/flex area, and multiple full bathrooms provide plenty of room for family and guests. **Pictures from another build

Cost to own

Mortgage calculator

Home Price

$1,100,000

Down Payment: 20%

$220,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$5,591

Principal & Interest: $5,591

Est. Taxes & Insurance: $1,398

Estimated Total Monthly

$6,989

*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$5,855

Property taxesest. at asking price, St. Johns County$1,464

Estimated total, before insurance$7,318/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): $2,472/yr

Estimated taxes if purchased at asking price: ~$17,600/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.

History