Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in North Beach, St. Augustine — a pool home in St. Johns County.

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Active

Active·43 days on market·North Beach

3951 Myrtle Street

St. Augustine, FL 32084

$1,100,000$547/sqftEst. $5,655/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: 6.66%

Loan Term

Monthly Payment

$5,655

Principal & Interest: $5,655

Property taxes (est.): $1,464

Insurance (est.): $733

Estimated Total Monthly

$7,852

*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$5,655

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

Estimated total, before insurance$7,119/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,472/yr · $206/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 (that applies to the reference bill above too).

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.

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 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