This home is in Vilano Beach, St. Augustine — a pool home in St. Johns County.
Pending·91 days on market·Vilano Beach
3951 Myrtle Street
St. Augustine, FL 32084
18 more homes for sale in Vilano Beach →Search Vilano Beach on the map
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Vilano 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
Next steps in Vilano Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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: material not specified — year not disclosed (home built 2026)
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: ~1,801 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 homeAs 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.
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
Price & status history
- Sep 25, 2026Pending$1,100,000
- Jul 17, 2026Active$1,100,000
- Jul 16, 2026Listed$1,100,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $406/sq ft; this home is listed at $547/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 404 Fourteenth Street, St. Augustine, FL 32084Listed by THE NEWCOMER GROUP | Sep 2026 | $712,500 | $406 | 3/2.5 | 1,753 | 134 | 0.1 |
| 502 Twenty-First Street, St. Augustine, FL 32084Listed by COMPASS FLORIDA LLC | Jun 2026 | $820,000 | $323 | 5/3.5 | 2,542 | 31 | 0.2 |
| 225 Twentieth Street, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $862,500 | $453 | 4/2 | 1,903 | 87 | 0.3 |
| 511 Twenty-First Street, St. Augustine, FL 32084Listed by NEXTHOME NEW BEGINNINGS | Jun 2026 | $820,000 | $376 | 3/2.5 | 2,183 | 9 | 0.3 |
| 302 12th Street, St. Augustine, FL 32084Listed by SUNCOAST PROPERTY MANAGEMENT LLC | Jun 2026 | $806,000 | $496 | 4/3 | 1,624 | 115 | 0.3 |
| 301 Twenty-Second Street, St. Augustine, FL 32084Listed by DEKAY COASTAL PROPERTIES | Aug 2026 | $685,000 | $317 | 3/2 | 2,158 | 84 | 0.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Vilano Beach
Vilano Beach is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Vilano Beach homes for sale →Keep looking
More homes in Vilano Beach
For Sale504 Nineteenth StreetSt. Augustine, FL 32084
4 bd · 3.5 ba · 1,800 sq ft
$1,100,000Est. $5,855/moBeautiful, BRAND NEW CONSTRUCTION in Vilano Beach! Live the boating, fishing and beach lifestyle with this coastal,…
Listing Office: premier homes realty inc
Pending301 Twelvth StreetSt. Augustine, FL 32084
4 bd · 3.5 ba · 2,131 sq ft
$1,190,000Est. $6,334/moNew Construction Pool Home, Corner Lot, 1 Block to Ocean, No HOA! Secure your coastal retreat or vacation home before…
Listing Office: linward realty, llc
For Sale4240 Myrtle StreetSt. Augustine, FL 32084
3 bd · 2.5 ba · 2,040 sq ft
$1,195,000Est. $6,360/mo4240 Myrtle Street is a fully renovated, turnkey pool home set on a rare quarter-acre corner lot in the heart of Vilano…
Listing Office: the newcomer group
For Sale404 Seventeenth StreetSt. Augustine, FL 32084
3 bd · 2 ba · 1,734 sq ft
$849,000Est. $4,519/moLive the North Beach lifestyle in St. Augustine! Just 2 blks from the beach and 2 blks from the Intracoastal, this…
Listing Office: re/max unlimited
Keep looking
Similar homes in St. Augustine
Explore the area
More in Vilano Beach
Vilano Beach guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines